MORTGAGE RELIEF & SERVICING RIGHTS
Fallen behind — or worried you might? You still have options.
If a hardship has affected your ability to pay, your servicer must properly review you for “loss‑mitigation” options before moving forward with foreclosure. Our team enforces those rights and holds servicers to the rules.
Know your rights
No dual‑tracking: When you submit a complete loss‑mitigation application on time, foreclosure activity is generally paused while the review is pending.
Timely responses: Servicers must acknowledge, evaluate, and communicate decisions on applications within set timelines.
Error resolution & documents: You can demand corrections and request account information and servicing records.
Appeal rights: Some modification denials can be appealed within strict deadlines.
Common solutions we pursue
Repayment plans to catch up over time.
Payment deferral/partial claim (investor‑specific programs) to move missed amounts to the end of the loan or a junior note.
Loan modifications that target sustainable payments and bring the loan current.
If you’ve received a sale notice
Time matters. We act quickly to challenge defective notices, stop wrongful sales, and—when appropriate—seek court orders that halt eviction while we litigate.
How we help
We review your note, deed of trust, assignments, escrow history, and all communications with the servicer, then build a strategy tailored to your goals—keeping you in your home whenever the law allows.
Unsure whether your servicer followed the rules?
Get a focused review of your options and timelines.