If you, like many Americans, are in danger of losing your home, and are considering hiring an attorney, be aware that there are a few strategic bits of information that your attorney needs to know about. By properly gathering and organizing the facts of the events that are contributing to your current circumstances, you may help your case exponentially.
First, create a sequential document of your homeownership experience. Include any instances of being turned down unfairly for a loan modification, or of being offered what you believe to be a predatory loan.
Then, gather your paperwork. Find your original loan application and any accompanying documents, as well as the letters you received after you started missing your monthly house payments.
Finally, keep records of all correspondence with your lender or the mortgage company that holds your loan, including emails and actual physical letters. Jot down notes about every phone conversation, including the date, time, and the name of the person you spoke with.
Upon being presented with this information, your attorney may be able to ascertain whether you were defrauded, mis-led, or whether the lender acted inappropriately. He or she may be able to identify which, if any, federal or state predatory lending laws were violated.
Clearly organizing and presenting your attorney with this information may take time and effort on your part, but doing so may help your attorney defend you and may contribute to a positive resolution of your case. To learn more about foreclosure defense, and further steps you can take to help save your home, contact us today!
