You have options to sue the mortgage company both before and after an illegal foreclosure.  The federal law RESPA is very powerful in stopping foreclosures but there are strict time limits.  Make sure you take immediate action if you want to save your home but beware of scams, especially out of state companies and out of state lawfirms that claim to be able to help you in Alabama.  All we have seen are scams so do your due diligence before you hire anyone.  We have a wealth of information (videos and articles) to get you started here.  Best wishes!  John Watts

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)

What could possibly happen after I’ve been sued in an ejectment lawsuit after foreclosure?

What could possibly happen after I’ve been sued in an ejectment lawsuit after a foreclosure in Alabama? This is a natural question, especially since the foreclosure has already happened. In addition to foreclosure, you’ve been sued! Well, there are three things that could make things worse. 1. You could get kicked out of your home. If you lose your ejectment lawsuit, then a sheriff’s deputy will come to your door and tell you that you and your stuff need to… (Read more)

If my first mortgage gets foreclosed, can I be sued by my second mortgage company?

This type of situation is becoming more common. Let’s say that our first mortgage company has foreclosed on us, and we’ve moved out of the house. The first mortgage company will collect their money from the foreclosure sale, but they don’t pay the second mortgage company except in very unusual circumstances. We move somewhere new and started a new phase of life. Years later, a company sends us a letter, claiming that we owe them money from our second mortgage,… (Read more)

“What should I do at the actual foreclosure sale?”

There are a number of ways to stop a foreclosure (even without filing bankruptcy) but let’s assume none of those work for you for whatever reason.  So you have the actual foreclosure sale tomorrow at the courthouse in your county.  What do you do?  Let’s look at this. You could do nothing and hope the foreclosure sale gets cancelled This is what most people do.  They hope and assume that nothing bad will happen.  “Surely the foreclosure sale won’t go… (Read more)

Discover your 4 options to save your home from a foreclosure

You are here because you received a letter from us about a foreclosure that is scheduled on your home You received a letter from us because we believe you have a foreclosure scheduled on your home.  You are here because you actually do have a foreclosure and you are trying to figure out your options. The good news is you do have some answers and we can help you discover which answer is the best for you. (You may be… (Read more)