It’s not too late to save your home.
Our firm is regularly involved in lawsuits against national lenders and servicers, including Bank of America (and BAC), Wells Fargo, Deutsche Bank, Citi, US Bank, GMAC Mortgage, HSBC, Flagstar Bank, JP Morgan Chase, Beneficial and others. If your bank has filed a lawsuit to initiate foreclosure, there are options to consider.
You may be eligible for meditation, loss mitigation, and loan modification. It is also possible to defend against their action or claim your lender violated any number of consumer laws like Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and others. Additionally, you may qualify for certain government programs to help get your mortgage back on track.
Don’t give up your home without a fight or before consulting an experienced and dedicated Ohio foreclosure lawyer at Luftman, Heck & Associates. With a record or success in foreclosure actions and a passion for helping people in Ohio deal with their Debts the right way, let us explain your options and help find your best plan forward.
Defending Against Foreclosures in Ohio
Foreclosure defenses can arise from any aspect of the loan transaction, from the initial sales process, to loan disclosure failure, loan closing, post-closing, servicing, pre-foreclosure, foreclosure, and even to the post-foreclosure property sale.
Defenses arise from statutory and common law and involve state and federal law. An experienced Ohio foreclosure lawyer with LHA can review the documents from your initial mortgage up through the filing of the foreclosure. We will look for fraud, predatory lending, “robo-signing,” and inadequate documentation.
If a foreclosure suit has been filed and the court ordered a judgment and sheriff’s sale, it may not be too late to stop the sale of your home.
Notice of a Lawsuit from the Lender
If you received a notice of a lawsuit filed by your lender, you only have 28 days to respond. Failure to respond will result in your lender receiving a judgment against you. From there, they can proceed to foreclose on your home.
The best thing to do if you received notice of a foreclosure lawsuit or if you are at risk of foreclosure is to contact LHA about building a foreclosure defense and your options.