July 29, 2014 — Attorney Lauren Rode leads the foreclosure litigation team at Consumer Action Law Group to stop foreclosure sales and help distressed California homeowners on how to stop the foreclosure process.
The Los Angeles real estate attorneys at Consumer Action Law Group fight against careless lending institutions and mortgage servicers that cause homeowners to lose their homes in foreclosure. Every day lenders fail to contact and respond to distressed homeowners who are facing foreclosure. Some lenders deliberately deceive borrowers into believing that their loans are delinquent when in fact they are in good standing. In California, lenders are required to strictly follow the Home Owner Bill of Rights [SB 900]; a law enacted in January 2013 to prevent wrongful foreclosures.
One Los Angeles real estate law firm, Consumer Action Law Group, is fighting back to stop foreclosure; both home foreclosures and bank foreclosures. We help anyone in the foreclosure process to stop foreclosure and fight against foreclosure fraud by answering the most common questions under California Foreclosure Law. The “Top Five Questions of Wrongful Foreclosure Victims” informs homeowners on how to stop foreclosure and their rights during the foreclosure process, so they can determine if their lender acted with impropriety at any stage of the foreclosure process.
Foreclosure Attorney Lauren Rode handles most of the calls from distressed homeowners at Consumer Action Law Group: “Most people to know if we can file a lawsuit against their lender; usually, we can.”
The most common questions are:
- Will a lawsuit stop my foreclosure sale? The answer is yes, in most cases, if there is a court order [Temporary Restraining Order] or a stipulation/agreement may stop the sale.
- Is litigation worth the time and expense? The answer is yes if your top priority is to save your home and obtain protection from the court.
- Can I sue my lender? The answer depends on what the lender is doing wrong to you – but in California, the law protects homeowners against wrongful foreclosure practices.
- Is my Ocwen Loan Modification a valid contract? Yes, in most cases a signed Ocwen Loan Modification or any signed mortgage modification is a valid and binding contract that must be honored by Ocwen or any servicer that the loan transfers to at a later point.
- Is a Deed in Lieu of Foreclosure a good idea instead of a short sale? Yes, as long as the deed in lieu of foreclosure is reviewed by a foreclosure attorney and protects the homeowner.
Attorney Lauren Rode points out lenders are breaking the law every time they move forward with a foreclosure in California without communicating in writing and by phone to give the homeowner options to save their house from foreclosure. California has laws to protect homeowners. Before a foreclosure takes place, a homeowner needs to know what their options are. The law in California is designed to give homeowners time to learn about their rights and seek legal counsel and build a defense if there is a legal case against the lender. California banks and lenders want us to believe that the foreclosure crisis is behind us. The overall rate of foreclosures and loans in delinquency has declined statewide, but foreclosure rates are still very high.
Consumer Action Law Group has a history of taking on difficult cases and getting good results for homeowners.
If you believe you have a case against your lender, you should talk to our foreclosure attorney today. California foreclosure laws are complex, and proving your case can be difficult. The most important thing you can do is contact a licensed and experienced wrongful foreclosure lawyer. Visit Consumer Action Law Group at www.ConsumerActionLawGroup.com to learn more about your rights and recourse as a borrower. Also, give Consumer Action Law Group a call to speak with a foreclosure attorney today. The first meeting is free and it may be the most important call you make to save your home.
First published on ConsumerActionLawGroup.com
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