by torrenslawgroup | Apr 25, 2022 | 2022, annual credit report, Attorney, Consumer Financial Protection Bureau, Consumer Protection, Credit:, Florida, Helpful Information, Keep an Eye on Your Credit, Know your options, Knowledge is power, Legal:, Newsletter, Protect yourself by being informed - Helpful links, Resources and forms for credit dispute
Good Morning! I hope this newsletter finds you doing well. This week, I’ll focus on the recent announcement by TransUnion, Experian, and Equifax on reporting medical debt on consumers’ credit reports. Beginning July 1, 2022, medical debt that was paid...
by torrenslawgroup | Feb 12, 2022 | 2022, Attorney, Best to retain counsel, Blog, Do you have a "Suit Pending"?, Don’t forget to utilize all of the tools available to you through the litigation process., Florida, Foreclosure Defense against the bank, Foreclosures:, Helpful Information, Helpful Information, in mortgage foreclosure, Keep an Eye on Your Mortgage Statements, Knowledge is power, Lawsuit, Legal:, Lis Pendens, Mortgages:, Protect yourself by being informed - Helpful links, Real Estate Foreclosure Defense Attorney, Reasons to hire a foreclosure defense lawyer, The Bank Must Be in Possession of Original Promissory Note at the time the foreclosure case is filed., The bank will have its lawyers, Why should I hire a foreclosure defense lawyer?, Written Payoff Statement Request, You have a right to an accurate accounting of your mortgage account
In foreclosure cases, don’t forget that the bank must not only prove a loan default and legal standing to foreclose, but must also prove the amounts due and owing to be entitled to a judgment of foreclosure. Keep in mind that if you are going to challenge the amounts...
by torrenslawgroup | Feb 8, 2022 | "RESPA", 2022, Attorney, Florida, Foreclosure Defense against the bank, Helpful Information, Helpful Information, Keep Written Documentation, Mortgages:, Newsletter, Real Estate Foreclosure Defense Attorney, Real Estate Settlement Procedures Act, Sample Notice of error, You can sue for damages if your Servicer fails to comply
Good Evening! I hope this newsletter finds you doing well. This week, I will discuss your right to know who owns your mortgage and how to get this important information. Unfortunately, it is commonplace for mortgages to be sold numerous times throughout the life of...
by torrenslawgroup | Nov 29, 2021 | "RESPA", 2021, Attorney, Blog, Defend you in court, Even if you work with the bank for a loan modification, Florida, Foreclosure Defense against the bank, Helpful Information, Keep Written Documentation, Lawsuit, Lessons Learned As A Lititgation Attorney, Loan Modification, Mortgages:, Real Estate Foreclosure Defense Attorney, Real Estate Settlement Procedures Act, Reasons to hire a foreclosure defense lawyer, Sample Notice of error, Suffered Financial Hardship, The bank will have its lawyers, Why should I hire a foreclosure defense lawyer?, You can mail a Notice of Error to your servicer
Oftentimes when a homeowner is applying for a loan modification, the mortgage company (especially the big mortgage servicers) will lose the homeowner’s loan modification paperwork and will ask for the same documents over and over again. This can be a very frustrating...
by torrenslawgroup | Sep 16, 2021 | 2021, Attorney, Blog, Florida, Florida Judgments, Florida Real Estate, Foreclosure Defense against the bank, Foreclosures:, Helpful Information, Real Estate Foreclosure Defense Attorney, Redemption before foreclosure sale., The bank will have its lawyers, Why should I hire a foreclosure defense lawyer?, you should too
So what happens if a foreclosure judgment is entered against you and you find the necessary funds, whether through a loan or otherwise, to pay it off? Under Florida law (Fla. Stat. 45.0315), you have the right to pay off the judgment and save your property by paying...
by torrenslawgroup | Sep 13, 2021 | 2021, Attorney, Blog, Do you have a "Suit Pending"?, Foreclosure Defense against the bank, Keep Written Documentation, Mortgages:, Pooling and Servicing Agreement!, PSA, Real Estate Foreclosure Defense Attorney, Reasons to hire a foreclosure defense lawyer, The Bank Must Be in Possession of Original Promissory Note at the time the foreclosure case is filed., The bank will have its lawyers, Why should I hire a foreclosure defense lawyer?, Written Payoff Statement Request, You have a right to an accurate accounting of your mortgage account
In some foreclosure cases, the bank will try to use a big document called a pooling and servicing agreement (“PSA”) to prove standing to foreclose on the note and mortgage. These agreements are often hundreds of pages and can be difficult to understand. If you are...
