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)


How to stop an Alabama foreclosure from Nationstar Mortgage (Mr. Cooper)

Nationstar Mortgage is one of the largest servicing companies of home mortgages and they foreclose on many Alabama homeowners. A recent “branding” campaign of changing their name to “Mr. Cooper” is designed to make you think Nationstar is a kind, compassionate old friend. A name change does not mean the corporate culture has changed. Understand this — they will foreclose on you in a heartbeat.  You must protect yourself from their tactics. So how can you stop a foreclosure from… (Read more)


How does the Truth In Lending Act help stop an Alabama foreclosure?

How does the Truth In Lending Act help stop an Alabama foreclosure? We’ve talked in other articles about various laws that can help stop a foreclosure, such as RESPA, the FDCPA, and the FCRA. Today we’re going to talk about TILA, the Truth In Lending Act. There are a couple of provisions that come to mind when we talk about the Truth In Lending Act that may be able to help you if you’re facing foreclosure. One provision is that,… (Read more)


Why checking your credit reports before and after a foreclosure is vital

Why checking your credit reports before and after a foreclosure is vital A large part of our practice at Watts & Herring is helping people who are facing foreclosure in the state of Alabama. In addition, we help consumers with credit reporting errors. Are these two practice areas completely separate, or do they merge together from time to time? Sometimes they merge. This is why we recommend checking your credit reports whether you’re facing a foreclosure, or you’ve just gone… (Read more)


Should I ignore lawyer advertisements that are telling me I’m facing foreclosure?

Should I ignore lawyer advertisements that are telling me I’m facing foreclosure? If you’re getting advertisements from bankruptcy lawyers, or any lawyer for that matter, you should take them seriously. Most of the time, if you’re getting these letters, that means that there’s a public record out there that says you’re being foreclosed on. That most likely has the date of your foreclosure as well. Because of this public record, these lawyers are mailing you letters about their services. Whether… (Read more)


Can I be sued on my second mortgage when my first mortgage was foreclosed on years ago?

Let’s say that you have a first mortgage. This is also your main mortgage, and you have a second mortgage. Then you go through some hard times, and the first mortgage forecloses on you. You don’t have to pay off the second mortgage, and once the foreclosure happens you don’t own the property anymore. This makes the second mortgage an unsecured debt since there’s no dirt to tie to the debt. Naturally, the question is asked, “Can I be sued… (Read more)