Why You Don’t Have to Accept a Foreclosure

When the bank wants to foreclose on your home, you might feel trapped.

You fell behind on your mortgage, and there’s no mercy for that, right? You think you have no choice but to surrender to the foreclosure.

Take a breath.

Lenders must follow several complex federal laws when they pursue a foreclosure. They make mistakes. One of those mistakes could give you an opening to fight back, stop the foreclosure and save your home.

This is when you need an experienced foreclosure defense lawyer. The right lawyer knows how to investigate the bank’s action against you, find flaws, and help you pursue a federal claim against the foreclosure.

At Horenstein, Nicholson & Blumenthal, we look for every available avenue to help you get through this painful process and get your life back to normal.

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 



You Could Have a Claim under These Federal Laws

HNB can identify mistakes banks commonly make that other attorneys may miss. That’s because of our in-depth knowledge of federal laws like these:

  • RESPA (Real Estate Settlement Procedures Act)—Requiring lenders and mortgage servicers to keep home buyers fully informed about the costs of settling real estate transactions
  • TILA (Truth in Lending Act)—Requiring lenders to clearly and regularly share certain information with borrowers; requiring lenders to share information about all loan options, not just the loans most profitable for the lender; regulating what lenders can say in their advertising
  • FDCPA (Fair Debt Collection Practices Act)—Regulating companies that collect debts on behalf of others, including how they can contact you

Many homeowners don’t realize that you can get an attorney to send a “Qualified Written Request,” or QWR, to the mortgage servicer, seeking information on problems in your account.

If you find that the mortgage company or mortgage servicer violated a regulation, you could sue them to stop the foreclosure.

Even the threat of an expensive lawsuit could prompt the lender to cooperate with you on a loan modification plan they otherwise wouldn’t accept.

You can start exploring this option by getting the foreclosure attorneys at HNB to evaluate your situation for free.

Get My Free Case Review 
A couple sits in front of a laptop computer, writing on a piece of paper. HNB lawyers know how to find the mistakes that mortgage companies and banks make.

HNB lawyers know how to find the mistakes that mortgage companies and banks make.

Get My Free Case Review

Any of these additional errors by the mortgage company could give you a chance to save your home:

  • Mortgage servicer errors: These happen when the company processing your mortgage payments on behalf of your bank credits your payments improperly, imposes excessive fees or makes clerical errors.
  • Mortgage ownership confusion: Mortgages get sold to different banks, sometimes frequently. That can leave confusion about who actually owns the mortgage, shutting down an attempt at foreclosure.
  • Violating state procedures:In addition to the federal regulations lenders must follow, many states have laws to prevent wrongful foreclosures. If your bank broke one of the many state rules, it could give you a defense against the foreclosure.

Having your mortgage lender turn against you is scary. But you can fight back, possibly with a pursuit of federal claims against lenders for breaking the law.

You don’t have to figure this out alone. You can get support.

Call HNB Now!  
A couple stands at a kitchen table talking with a woman in a suit. In the right circumstances, you may be able to pursue a claim under federal law against the mortgage company that wants to foreclose on you.

In the right circumstances, you may be able to pursue a claim under federal law against the mortgage company that wants to foreclose on you.