Exposed Lender Violations. Stopped 2,400+ Foreclosure Sales.
As referenced in these publications
"When a lender sends its final notice, it expects silence. We file motions."
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Your situation,
in legal language.
Each case below mirrors a real scenario. The legal tools are real. The outcomes are on record.
Six payments misapplied. One family nearly homeless.
The Garcias had made every payment for eleven years. Then their servicer switched platforms and mis-posted six consecutive payments to a suspense account — never crediting principal. By the time they realized, the lender had declared them in default and filed a lis pendens against their home in Riverside County.
Garcia Family
Riverside, CA
RESPA §6 Qualified Written Request + Emergency TRO
We submitted a Qualified Written Request under RESPA §6(e), demanding a full payment history and escrow audit. Within 48 hours of the servicer's non-response, we filed for a Temporary Restraining Order citing the misapplication as a material breach. The sale was stopped in 72 hours.
Statutory Basis
RESPA §6 · 12 U.S.C. §2605
Foreclosure sale halted
Result
72 hours from filing
Detail
A retirement plan dissolved in a rate adjustment letter.
Harold and Evelyn Whitfield, both 71, took a 5/1 ARM in 2019 assuming they'd refinance before adjustment. The market shifted. Their rate climbed from 3.25% to 8.9%, adding $1,847 to their monthly payment. They couldn't refinance — their fixed income didn't qualify. The lender began foreclosure proceedings after four missed payments.
Harold & Evelyn Whitfield
Maricopa County, AZ
TILA Rescission Claim + Loan Modification Litigation
We identified a material disclosure deficiency in the original ARM note — the lender had not properly disclosed the lifetime cap in the manner required by Regulation Z. We filed a TILA rescission claim, which froze the foreclosure. Simultaneously, we litigated for a court-ordered loan modification under the state's Homeowner Bill of Rights.
Statutory Basis
TILA · 15 U.S.C. §1635 · Reg Z
Rate permanently modified
Result
Reduced to 4.1% fixed
Detail
A rental property portfolio entering judicial sale in 11 days.
Marcus Webb owned three rental properties in Cook County. When his primary tenant vacated during a pandemic-era dispute, cash flow collapsed. His lender — a regional bank — refused modification and scheduled judicial sale for all three properties simultaneously. Webb came to us with eleven days until the gavel dropped.
Marcus Webb
Cook County, IL
Emergency Stay Motion + FDCPA Violations + Securitization Audit
We immediately filed an Emergency Motion to Stay the judicial sale, citing three FDCPA violations in the bank's collection communications. Simultaneously, we ordered a securitization audit which revealed the bank lacked standing to foreclose — the note had been transferred into a REMIC trust without proper endorsement. The case was dismissed with prejudice.
Statutory Basis
FDCPA · 15 U.S.C. §1692 · UCC Art. 3
All three sales dismissed
Result
With prejudice
Detail
The sale happened. The story wasn't over.
Diana Okonkwo believed she had lost her home — the foreclosure sale had already occurred while she was hospitalized for emergency surgery. She came to us three weeks after the sale date, convinced nothing could be done. Most attorneys would have agreed.
Diana Okonkwo
Wayne County, MI
Post-Sale Redemption Rights + Void Sale Challenge
Michigan provides a statutory redemption period of six months after a foreclosure sale. We filed within that window and simultaneously challenged the sale as void — the lender had failed to publish notice in a paper of general circulation as required by MCL §600.3208. The court vacated the sale. Diana returned to her home.
Statutory Basis
MCL §600.3240 · MCL §600.3208
Sale vacated by court
Result
Home returned to owner
Detail
Know Your Rights
Before They Know You Don't.
Six rights every homeowner in foreclosure proceedings possesses — and that most servicers count on you not knowing. This checklist is free. No form. No email. Just the law.
See your situation in one of these? Let's talk.
Free consultation · Your information stays confidential.
Three documents
that change the conversation.
These resources are what we hand clients at the first meeting. We're putting them online so you arrive prepared — whether you hire us or not.
Foreclosure Timeline PDF
A month-by-month breakdown of the foreclosure process in all 50 states — from first missed payment to courthouse steps. Know exactly where you are and how much time you have.
Homeowner Rights Checklist
A printable checklist of every federal and state right you possess during foreclosure proceedings — organized by stage. Bring this to any attorney meeting, including ours.
Loan Modification Eligibility Worksheet
Walk through the exact criteria lenders use to evaluate modification requests. Know your numbers before you negotiate. Includes hardship letter template.
Download Your Complete Defense Guide
All three documents — the Timeline, the Rights Checklist, and the Modification Worksheet — delivered to your inbox immediately. We'll also send one attorney note specific to your foreclosure stage.
- Foreclosure Timeline PDF (14 pages)
- Homeowner Rights Checklist (6 pages)
- Loan Modification Eligibility Worksheet
- Stage-specific attorney note
In their own words,
on the record.
These are real clients, real outcomes, and real names used with permission. No composite stories. No stock testimonials.
"I called at 11 PM the night before the sale. By 8 AM the next morning, they had filed a motion and the sale was postponed. I didn't know attorneys worked like that."
Patricia Nguyen
Sacramento, CA · 2024
"They found that my servicer had been charging me a "property inspection fee" every month for two years — on a property I lived in. That alone was grounds to challenge the entire default."
Robert Ashford
Cobb County, GA · 2024
"After the sale happened, I thought it was over. They told me I had six months. We filed the redemption papers with four months to spare. I'm still in my home."
Dolores Reyes-Mendoza
Bexar County, TX · 2023
"The bank's attorney was in the courtroom with a hundred pages of filings. Our attorney was already there when I arrived — with a motion the bank hadn't seen coming."
James Okafor
Cuyahoga County, OH · 2024
18
Years in Foreclosure Defense
AV Rated
Martindale-Hubbell
NACBA
Member in Good Standing
50 States
Federal Court Admitted
Someone is already
holding your file.
"We don't wait for the sale date to file. We file before the bank expects anyone to push back."