What Information Do I Need To Bring To A Meeting With An Alabama Foreclosure Defense Lawyer?
What Information Do I Need To Bring To A Meeting With An Alabama Foreclosure Defense Lawyer?
When Alabama consumers come to see us there are a number of items we need to be able to review.
We need to review these items in order to help fight against a wrongful foreclosure that is about to happen or that has already occurred.
Gathering these documents will help us to be able to help you so bring all of these that you can:
- Your mortgage documents including your note, mortgage, and mortgage statements.
- Any newspaper advertisements related to any foreclosure sale (whehter or not it has actually occurred).
- Your credit reports.
- The letters from any mortgage company or servicing company.
- Any letters from any foreclosure lawyer.
- Every advertisement letter from anybody or company offering to help you deal with foreclosure.
- All documents you have sent to your mortgage company (such as a loss mitigation/loan modification package).
These documents help us understand your complete picture. We don’t just look at the foreclosure issue in a vacuum.
Instead we see:
- Are there Fair Credit Reporting Act (FCRA) claims? Particularly if the foreclosure is improper but the mortgage company is reporting the foreclosure on your credit reports.
- How about Fair Debt Collection Practices Act (FDCPA) claims for the way this debt was being collected;
- Was RESPA (Real Estate Settlement Procedures Act) violated in the way the loss mitigation was done or the timing of the foreclosure?
- Any issues with the foreclosure process itself (i.e. bad advertising, wrong county, etc);
- What information do we see on the letters and bills – often these directly contradict what a mortgage company says when it is time to foreclose.
By gathering all of this information it truly helps us to help you better understand your options and rights so you can make the best decision for you and your family.
Contact Us.
If you live in Alabama and want to discuss this with us at a free consultation, please feel free to contact us at 205-879-2447.
Or you can fill out this contact form and we will get in touch with you as soon as possible.
Have a great day!