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

Stages of Foreclosures in Alabama

What are the three stages of a foreclosure in Alabama? Introduction Alabama is a non judicial foreclosure state which means that a foreclosure does not have to go through the court system. This is different from judicial foreclosure states such as Florida. So when someone in Alabama says they are “facing a foreclosure,” this can mean different things because we really have three stages to a foreclosure. We have written this article to give you an overview of these three… (Read more)

Fancy “Stealing” — What Mortgage Companies Do In Alabama Wrongful Foreclosures

Are mortgage companies thieves when they do illegal foreclosures in Alabama? Absolutely!  These companies come into our state and intentionally violate the law.  They intentionally do bogus and wrongful foreclosures. For example we have a current case against Wells Fargo.  Our client was facing foreclosure.  He asked for the amount to “reinstate” his mortgage. Wells Fargo gave him the amount. He did not question it but paid it. Exactly by the deadline Wells Fargo gave him. Exactly to the account… (Read more)

“How do I prevent a non judicial foreclosure in Alabama? I want a judge to look at this!”

Which way do you go when you are facing a foreclosure in Alabama? Your mortgage company is threatening to take your home in a foreclosure in Alabama.  You know this is wrong. You want to stop it or at least have a judge look at this issue. Surely the foreclosure can’t happen without a judge, right? Well . . . . In Alabama, foreclosures can be judicial or non judicial but . . . . So two ways to do… (Read more)

Is bankruptcy the only option to stop an Alabama foreclosure?

No — there are many other options to stop a foreclosure in Alabama without having to file for bankruptcy. I understand that when you are facing the loss of your home, it feels the world is closing in on you.  And your friends and family (meaning well) will tell you that your only hope is bankruptcy.  Or just let the foreclosure happen and move out. There are other options. Better options than bankruptcy. Here is a short list and then… (Read more)

Make sure your lawyer answers all of your questions before hiring the lawyer

You have questions — make sure any lawyer you consider hiring answers all of your questions The primary reason you consider hiring a lawyer is because you have questions about the law or how the legal process works.  Especially when you are considering being in court — it is natural that you would have questions. So here are some suggestions as you go through the process of finding and hiring a consumer protection lawyer. Make a written list of any… (Read more)

How long do I have to answer an Alabama ejectment lawsuit after a foreclosure?

“I was foreclosed on and now I have been sued in an ejectment lawsuit. How long do I have to answer an Alabama ejectment lawsuit in circuit court after a foreclosure?” This is a great question that we get from homeowners who have been foreclosed and are now trying to figure out what to do. You have 30 days from the day you were served to answer. It’s critical that you answer the lawsuit within this time frame, because bad… (Read more)