Homeowner – here is some good news for a change.
We are feverishly attempting to build a database of attorneys who are qualified to do foreclosure defense as a specialty practice. As a homeowner with 2 foreclosures, I understand your frustrations and fears regarding your situation. Millions of Americans are currently subject to foreclosure or have been foreclosed already. Expect 7 million more foreclosures from today.
I think that over 15,000,000 loans were suspect from 2003 – 2006. This is only my opinion.
There are only a small handful of attorneys (approximately 300?) in the entire US who get this and most all of them will agree that the numbers of these attorneys are too few and far between. Yet, THE GOOD NEWS is homeowners are starting to win cases or are at least getting a little movement on the loan modification front. Check out April Charney’s quiet title action. Notice the banksterman basically downplaying it as if he was saying “just get out of our house because you won on a technicality…” Technically, defrauded homeowners should technically win in court, shouldn’t they, technically speaking of course?
Here are some things you can do.
1- Keep working hard to find that special attorney. Don’t give up. Think outside the box and be creative with the attorneys you talk to.
2- Attempt to show good faith in trying to work with your lender. This may come in handy later in your case if it gets that far. Free house in NY?
3- Keep researching. Find every foreclosure website you can surfing the net. There are a dozens of them I have found relevant information on and knowledge is power. (Beware of scammers asking for your money – they are all over the place.) Here are some of my *favorite sites for your research:
4- Keep networking. Find others in foreclosure and share information. Create your own social network with others facing foreclosure. This will comfort and build strength through common cause.
5- Keep a database of all your research. It may come in handy for your case.
6- Keep a running log of every communication between you and your “lender.” This will aid your case down the road.
7- Think LEVERAGE. The banks are in disarray and their arrogance, greed, and incompetence will only aid you in the future.
8- You have to find that special attorney. Check with Legal aid in your community. Call the State Bar you live in. Again, network with others. Things are actually improving. Pro Se is your last resort but better than just giving up. Prepare to learn law and procedure in your State. With or without representation, you need to understand the rules of their game. Due process, fact and law, are really on your side in today’s situation… if you know the rules.
9- Quit blaming yourself. You were most likely set up to fail at every step in the process. Fight!!!
10- Stall. Buy time. Extend time as time may be your best friend. More attorneys are getting into the fight. Governments are starting to bear down for the homeowners’ sake. Things will have to change because litigation and investigations are mounting. The whole mess is dirty. (D- OH) Marci Kaptur, as reported by CNN, gets it. She tells you to stay put and fight. We agree.
11- Be prepared to assist your attorney with research and assistance. Anything you can do to help your attorney to prepare for a better case should lighten the cost you pay to the attorney. Offer to volunteer with their office a few hours a week. Again, get creative.
12- UNITE! The is strength in numbers and knowledge is power. Strength and knowledge builds confidence. Become an activist and save our country – save your home – save the homes of others.
In summary, please understand that I AM FACING FORECLOSURE and other sites and organizations are at the ground floor. The IAFF site, in particular, is in a state of transition. I apologize that the difficulty of finding attorneys who get it, or will help clients out with more affordable representation is very difficult. In other words, we are in a state of construction as the site is changing to meet the demands of the market. If you have found any attorneys that seem to resemble knowledge, belief, flexibility, character, and determination, PLEASE have them contact me so we can add them to the database project. Any other great info you find, please send it on to me and to others.
Most importantly, keep the faith.
Also, if you have not done so, I need to know the State, city you live in, or nearest large city if in a small town or place who doesn’t have the right attorney. I make no guarantees.
**(must be hired by your attorney and work under attorney supervision.)