There is so much mis-information about foreclosures, loan modifications, etc. in Alabama. Where do you turn and what do you do?
We have several resources for you.
Our most comprehensive is our 4 video series (with detailed workbook) that you can watch for free. This is not for someone looking for an “easy” button or who is not willing to work to stop a foreclosure.
We go into tremendous detail in these videos which range from about 20 minutes to… (Read more)
“Is it important to respond to a summary judgment motion in an ejectment case?”
If you are facing a summary judgment motion in your ejectment case, you must respond in the right way and at the right time.
What is an ejectment case?
If you get foreclosed on your Alabama home and do not move out, you will almost certainly be sued in an “ejectment” lawsuit. This is where the alleged new owner of your property, almost always the mortgage… (Read more)
Sued for Ejectment Following a Foreclosure?
What Should You Do Right Now?
Hello and welcome to our video. My name is John Watts. I’m a consumer protection attorney in Alabama, and we represent homeowners who have had a foreclosure and then have been sued for what in Alabama is called “ejectment,” or an eviction.
I appreciate you joining with us in this journey, and we trust that the time that we’re going to spend together will be very useful. If… (Read more)
Essential Steps To Help You Prevent A Foreclosure If You Are Behind On Your Home Mortgage Payments
You realize you are behind on your mortgage payment to Bank of America, Chase, Ocwen, etc. — what do you do now?
Let’s look at your situation and figure out some solutions.
First, you are feeling an intense amount of pressure and stress because if you can’t get this situation fixed, you know you can lose your house. If you simply don’t have… (Read more)
21st Mortgage address to receive notice of error and request for information under RESPA
We are filing lawsuits in federal court against mortgage companies (servicers) who violate RESPA in part by not properly responding to notice of error letters and request for information letters.
These letters are the more modern version of the old qualified written request under RESPA and these new letters (and new rules to help you) came about as of January 10, 2014.
But you have to… (Read more)
“When facing a foreclosure, what is a short sale?”
A short sale is when you’re facing a foreclosure and you’re wanting to avoid that foreclosure. A short sale is where you agree with the bank to sell your house for less than what you owe. Here’s an example.
Suppose you owe $200,000, and you get an offer for $180,000.
That’s $20,000 short. You either have to come to the closing table with 20 grand or get your mortgage company to… (Read more)