You are in the right place if you are looking for how to stop your Alabama foreclosure without filing bankruptcy
You are here because you have an actual foreclosure date scheduled for your home in Alabama. This is known as a “foreclosure crisis” and you are wondering if there is any way to stop it without filing bankruptcy.
[Update — we have a new article that goes over 5 specific steps you can take to stop a foreclosure without a… (Read more)
“What is the 120 day foreclosure rule under RESPA?”
RESPA is a powerful federal law that can help prevent a foreclosure, especially if you are not more than 120 days past due on your mortgage. Let’s talk about this for a moment.
What is RESPA?
RESPA is a federal law that has been around a long time but was recently changed in 2014 to give homeowners protection against a lot of the abusive mortgage practices. This includes:
So called “dual… (Read more)
“What is a motion to enforce a settlement agreement?”
A motion to enforce a settlement agreement is where we are asking a court to enforce the terms of a settlement — to make the defendant do what the defendant promised when it settled.
A case gets settled and sometimes we don’t have the settlement agreement already finalized. Or we do and the company we have sued wants to add terms and conditions that we never agreed to.
The most common… (Read more)
“Can I really sue my mortgage company for violating RESPA?”
One of the questions that may come to mind is, “Can I really sue my mortgage company under RESPA?” The answer is “Yes” — if your mortgage company has violated RESPA then you can sue and that may stop a foreclosure against you.
RESPA is a powerful law.
It’s very helpful when you’re facing foreclosure, and especially if the mortgage company has made any mistakes.
Usually they do make mistakes,… (Read more)
“How do I use Notice Of Error letters in my foreclosure case?”
When you’re facing a foreclosure, you may be wondering, “How can I stop this from happening?” One part of the answer is to properly use Notice of Error letters under the federal law of RESPA.
First, you can find detailed information on foreclosures and the federal law RESPA for free by going to ForeclosureDVD.com and RESPAVideo.com as these sites have several incredibly detailed videos and downloads on foreclosures… (Read more)
This is a little different from our usual posts, however, I believe this story will be beneficial to you as you deal with abusive companies.
The Scorpion and the Frog
This story has application to debt collectors, credit reporting agencies, car finance companies, mortgage companies, etc.
Sometimes we sit and wonder, “Why do these companies do these dumb things where they’ll have to pay a lot of money after we sue them?”
Read the story of the scorpion and the… (Read more)