You paid your mortgage. Or tried to. But the bank refused your payment or sent it back.
What’s going on?
They’re probably planning to foreclose on your home.
A missed payment months ago may have caused your mortgage to get more and more off track over time. Or perhaps the bank made a mistake in applying one or more of your payments.
It’s a mess. And it threatens to turn your life upside down.
Don’t hesitate to get a foreclosure defense attorney from the Horenstein, Nicholson & Blumenthal law firm to protect your rights so you can end the confusion and move on with your life.
When your home is suddenly under threat, you have options to fight back.
Our law firm doesn’t represent banks. We represent Ohio homeowners.
All you need to know is this: “Helping me, that’s HNB.”Talk to HNB Talk to HNB
Homeowners are often surprised when they get notice of a mortgage payment refusal.
If the mortgage company doesn’t think your payment will bring your account current, it doesn’t have to accept your money.
But maybe you’ve been paying your mortgage on time for months. The problem might have started with a missed payment long ago.
Here’s how it happens:
The 120-day rule is the reason you’ve been sending payments but not hearing from your bank that anything was wrong. They can only take action against you when you reach 120 days with a problem in your account.
You may still be able to fix this. It just isn’t easy. Foreclosure defense is a highly specific area of the law. You want an attorney who knows what to do in cases like this.
You can get the HNB legal team to evaluate your situation—and give you an idea of your options—for free.Get My Free Case Review
You can get help understanding how your mortgage payments got off track.