How,Use,the,Law,Help,You,Stop, finance, share, loan How to Use the Law to Help You Stop Mortgage Foreclosure
Date:2020-12-25 How,Use,the,Law,Help,You,Stop, finance
If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track
Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that
You can use the law to help you
stop mortgage foreclosure on your home but you need to know what your options are and what you are looking for. Your best bet is to hire a real estate attorney to look at the foreclosure documents you received as well as your loan origination documents for any mistakes. The Truth in Lending Act may be the perfect ally for you to stop mortgage foreclosure if you want to call into question the validity of your mortgage loan. If you want to go this route, you will need to prove that your originating loan documents were wrong. The area where this really comes into play is if your mortgage company made any mistakes in disclosing vital financial pieces of information. If this is the case, it is possible that your loan itself could be canceled. Here is where it is very important to have an attorney who is familiar with Regulation Z (has many of the detailed requirements of the Truth in Lending Act).Some truth in lending areas that could help you stop mortgage foreclosure that you might want to have your attorney verify on your loan:- Your mortgage company having more money in your escrow account than they are allowed. - Not putting information in the documents that describes how you can get rid of your private mortgage insurance. - Not adjusting your ARM (adjustable rate mortgage) correctly.- Not including referral fees to the originator of the mortgage.If you are going to try to use the Truth in Lending Act to stop mortgage foreclosure, you are going to need to make sure that your attorney goes through all of your loan origination documents with a fine-tooth comb. Any errors, mistakes or discrepancies could mean the difference between being able to stop mortgage foreclosure and losing your home.Some other legal avenues that you may have available to you to stop mortgage foreclosure are:- If you can prove that your mortgage company lost any of your payments. Having clear and detailed records on this will be your best defense.- If you have an FHA-insured loan, you should have received information about preforeclosure counseling. This is required by law for FHA-insured loans.- If your mortgage company accepted payment from you after foreclosure was filed on the home.
Article Tags:
Stop Mortgage Foreclosure, Stop Mortgage, Mortgage Foreclosure, Mortgage Company
How,Use,the,Law,Help,You,Stop,
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