We are dedicated to trying to help you save your home. With an Alliance foreclosure attorney Lakeland residents may see better results than they could attain on their own. Don’t leave the protection of your home to chance. If you are in need of a foreclosure attorney, and dedicated and aggressive foreclosure defense, fill out the online form or call Alliance Legal Group right now at 888-744-5742.

Save your home from foreclosure

There are several means by which a foreclosure defense can be formed. Alliance attorneys will review your case in an initial free consultation and try to help you to understand what options are available to you. It is likely there are options you did not know about or did not have all the necessary information. Attorney-at-law David C. Hicks opened Alliance Legal Group for Florida homeowners to help them better defend against foreclosure. We will do our best to show you how your home might be saved from foreclosure and show you how we may be able to help.

Know where you stand

One of the most important issues is to know what has happened up to the present. Are your loan documents free of lending errors? Do they contain elements of predatory lending? Do your foreclosure documents have the proper signatures? Was your foreclosure filed legally? You may be surprised to find out that a majority of foreclosures filed in the last few years have been suspected of fraud. If you are the victim of fraud, you should know. It has the potential to lend a great deal to the defense of your home.

What is foreclosure fraud?

Evidence has surfaced indicating that many foreclosures were wrongfully filed. So-called robo-signers were untrained individuals who have publicly admitted to signing thousands upon thousands of foreclosures with false signatures. Some of the information filled into the blanks on foreclosure forms has been shown by experts to be bogus. It has also been suggested that many foreclosures did not get a review to determine payment history of borrowers and other vital information. A large number of homes may have been foreclosed upon without the homeowners knowing about these discrepancies.

I have heard about banks not having the right to foreclose?

In order for a banking institution to foreclose on a home and repossess the property, it must have a note of ownership. In the recent housing boom, loans were resold as investment packages in which these notes were allegedly stripped from the actual home loans. In addition, many of the original lenders have gone out of business. This means that the bank foreclosing on your home, may not actually own the note. If the bank cannot prove note ownership, or presents faulty documentation of note ownership, it may work in your favor. According to news reports, judges have begun to side with homeowners when the banks cannot prove the right to foreclose.

Does a re-sold home loan affect my ability to get a loan modification?

The actual holder of you home loan most likely sees it as a financial investment. If the bank working on your loan modification must present the altered terms to a second party, that party may decline the changes. It may be in your best interests to know who owns your loan and who is determining what changes get made. A majority of home loan modifications see foreclosure a second time within a year according to bank spokespeople. It is important to get the terms you need the first time around.

Can Alliance Legal group help me?

Alliance Legal Group will do an analysis of your documents to find out if they contain any information that can be used in your defense. We want to try to find out your best chances for a good loan modification that can save your home and give you terms you can afford. We will negotiate aggressively and persistently with your bank to try to get the most positive outcome possible for your situation. If it is possible and in your best interests, we will do all we can to try to save your home. If short sale, deed in lieu of foreclosure or other strategy may leave you in the best financial situation, we will discuss these options with you. Our goal is to give you the best service possible. We are result driven and want to see you get the conclusion you desire to your foreclosure battle. Contact us by filling out the online form or calling us at our offices at 888-744-5742 right now.

Contact Alliance Legal Group without delay. For a dedicated foreclosure attorney Lakeland homeowners should not wait to act.