Foreclosures

You have options to sue the mortgage company both before and after an illegal foreclosure.

The Secret Your Mortgage Company Does Not Want You To Know About Regarding Stopping Foreclosures

My name is John Watts and my law firm helps Alabama consumers who are facing foreclosure to stop the foreclosure without filing bankruptcy. Join me on this short journey and I trust you will find this time well spent as you look for how to save your home from a foreclosure. The only supposed ways to stop a foreclosure in Alabama The mortgage company (whether Nationstar/Mr. Cooper or Wells Fargo or Bank of America or whoever) wants you to believe… (Read more)


Alabama Foreclosure: Can a defective default letter make a foreclosure void?

Yes.  If the default letter is defective, then the Alabama foreclosure can be declared “void” so that it never happened and/or you can sue for money damages.  Let’s see why. Two Types of Foreclosures In America Judicial Foreclosure In Florida, for example, for the mortgage company to foreclose it must sue you, serve you, and then beat you in court.  Then the judge will allow the foreclosure.  It is called a “judicial” foreclosure because the court — the judicial system… (Read more)


What do I do if my mortgage company won’t properly respond to my RESPA letters?

“What do I do if my mortgage company won’t properly respond to my RESPA letters?” Unfortunately, this is a question that we’re asked frequently by Alabama consumers.  They send these RESPA letters (Request For Information or Notice of Error letters), and the mortgage company replies but doesn’t answer any of the consumer’s questions. At the end of the mortgage company’s letter, it will say something like, “If you’re not satisfied with this response, get in touch with us.” Consumers wonder… (Read more)


Is it fair to sue my mortgage company under RESPA after sending a Notice Of Error letter?

“Is it fair to sue my mortgage company under RESPA after sending a Notice Of Error letter?” We talk in other articles about what exactly Notice of Error letters are, and how they help you when you’re dealing with mortgage companies. We’ve had cases where the mortgage company did nothing to fix the errors we mentioned. Consumers may wonder, “would it be right to sue them after we’ve sent them letters?” All too often these mortgage companies will act indignant… (Read more)


Can I stay in my house after a foreclosure sale in Alabama or do I have to leave

Your house is sold at a foreclosure sale in Alabama — what does that mean about you having to leave your house? We have written a good bit about how to stop a foreclosure but what if the foreclosure goes through?  What happens next? Here’s the basic timeline and then we’ll dive into each one to give some details: Foreclosure deed gets filed in Probate Court You get a “vacate letter” from the alleged new owner of your home Normally… (Read more)


What if I sue my mortgage company but it still forecloses against me?

“What if I sue my mortgage company but it still forecloses against me?” In another article, we talked about whether or not bankruptcy was the only option when you’re facing foreclosure. Today, we would like to follow that question up with the best way to handle a foreclosure without going through the life-altering process of bankruptcy. Sue your mortgage company before the foreclosure takes place. When they tell you the foreclosure date, be sure to file your lawsuit before that… (Read more)