Foreclosure

Are you in foreclosure, or headed there?
Are you worried about losing your house?
Behind on your mortgage?
Can't make the payments?
Is foreclosure coming or already started?
Have you been served with court papers?

Don't Let This Be YOU!

With falling home prices a quickly rising trend across the nation, foreclosures have become more common. Foreclosures could have been significantly reduced if the homeowners had been aware of the steps they could have taken to protect their property. That is where the services of Jeffrey G. Pierce, PLLC, can be used to assist you in this difficult time. If you are a homeowner in danger of foreclosure, call us to discuss steps we can take to protect your home and assets.

MORTGAGE FRAUD , WRONGFUL FORECLOSURES and MORTGAGE SERVICING ERRORS result in good people losing their homes every day.
Don't Let this Happen to YOU!

MORTGAGE FRAUD , MORTGAGE SERVICING ERRORS and WRONGFUL FORECLOSURES are very common. Have you been a victim?

Many individuals end up being the victim of wrongful foreclosure. Wrongful Foreclosure is a foreclosure action that is legally improper and that causes a borrower to suffer damages. When a lender or institution forecloses on an individual and sells their home illegally – or using methods which are outside the bounds of the law it is considered a wrongful foreclosure. Some of these individuals end up losing their homes and there simply isn’t a thing they can do about it.

Many individuals seem to think that lenders and institutions are above the law, but they’re not. The funny thing is many lenders and institutions act as if the laws of this state and nation do not apply to them. They are wrong!

If you feel you’ve been a victim of wrongful foreclosure, the first thing you should do is contact Jeffrey Pierce, a Mississippi and Alabama Gulf Coast Attorney who specializes in Bankruptcy and Foreclosure Defense matters. A Foreclosure Defense attorney is well versed in the laws regarding foreclosure. Jeffrey Pierce can tell you whether or not you have a legitimate case against the lender or institution which has foreclosed on you. Mr. Pierce has received specialized training in defending homeowners from foreclosure and has an arsenal of specific tactics to deal with many of the securitization issues which may be embedded in your mortgage. If you do have a case, Jeffrey Pierce can seek damages for you – including pain and stress as well as emotional damages.

PREDATORY LENDING and MORTGAGE FRAUD is prevalent. If you have been a victim, contact Jeffrey Pierce today!

MORTGAGE SERVICING ERRORS including the misapplication of payments causes borrowers to lose money and even their homes.
If you think you were mistreated, the odds are good that you were!!

What do we need from you? BRING US YOUR MORTGAGE (DEED OF TRUST), ANY CORRESPONDENCE FROM YOUR LENDER, ANY FORECLOSURE NOTICE, AND ANY EVICTION SUIT.

Forensic Mortgage Loan Audit Scams: A New Twist on Foreclosure Rescue Fraud

Fraudulent foreclosure “rescue” professionals use half-truths and outright lies to sell services that promise relief to homeowners in distress. According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, the latest foreclosure rescue scam to exploit financially strapped homeowners pitches forensic mortgage loan audits.

In exchange for an upfront fee of several hundred dollars, so-called forensic loan auditors, mortgage loan auditors, or foreclosure prevention auditors backed by forensic attorneys offer to review your mortgage loan documents to determine whether your lender complied with state and federal mortgage lending laws. The “auditors” say you can use the audit report to avoid foreclosure, accelerate the loan modification process, reduce your loan principal, or even cancel your loan.
Nothing could be further from the truth. According to the FTC and its law enforcement partners:

there is no evidence that forensic loan audits will help you get a loan modification or any other foreclosure relief, even if they’re conducted by a licensed, legitimate and trained auditor, mortgage professional or lawyer.
some federal laws allow you to sue your lender based on errors in your loan documents. But even if you sue and win, your lender is not required to modify your loan simply to make your payments more affordable.
if you cancel your loan, you will lose your home and you will have to return the money you borrowed to your lender.

If you are in default on your mortgage or facing foreclosure, you may be targeted by a foreclosure rescue scam. The FTC wants you to know how to recognize the telltale signs and report them. If you are faced with foreclosure, the FTC says legitimate options are available to help you save your home.

Spotting a Scam
If you’re looking for foreclosure prevention help, avoid any business that:

guarantees to stop the foreclosure process – no matter what your circumstances are
instructs you not to contact your lender, lawyer or credit or housing counselor
collects a fee before providing any services accepts payment only by cashier’s check or wire transfer
encourages you to lease your home so you can buy it back over time
recommends that you make your mortgage payments directly to it, rather than your lender
urges you to transfer your property deed or title to it
offers to buy your house for cash at a fixed price that is inappropriate for the housing market
pressures you to sign papers you haven’t had a chance to read thoroughly or that you don’t understand.

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