Sharing Foreclosure Defense Tools, Tips, Templates, and Statutes from Korte & Wortman, P.A.

At Korte & Wortman, P.A. in West Palm Beach, Florida, we believe that everyone who is faced with a potential foreclosure situation deserves assistance. Whether you are looking for a law firm dedicated to helping to keep you in your home, or just some good information that can help you to keep your fight going on your own. With that in mind here is information from Operation Restoration, a website dedicated to relaying the facts to the general public about foreclosure. “A national mission of Healing and Restoration, dedicated to telling the truth,” according to the organization’s mission statement.

Part 1: Self Help
The best pre and post foreclosure defense begins with preparation and study.  Since this field of litigation is more uncommon, it is recommended that you understand the concepts first, collect the required documentation, and then choose an attorney that can litigate Securitization, Chain of title, and Standing – or – another approach — Loan Origination (Truth in Lending, RESPA, HOEPA, Regulation Z) litigation.  Known foreclosure defense experts can be found here: Restore Team orhttp://www.maxbankruptcybootcamp.com/find-graduates .  Max Gardner trains attorneys across the country how to operate in the foreclosure and securitization arena. Neil Garfield also gives education and refers attorneys.
Note: Attorneys are not necessarily cost prohibitive.  It is advised that you self-help, prepare, and organize as much as possible and then consult a professional litigator to complete the legal process and litigation.  Because there are so few resources specially trained in this field, you are more likely to get affordable and competent help if you prepare UP FRONT.

•  Submit Modification or Short Sale Request (with required documentation) to your Servicer (last minute requests do stop foreclosure).  Note: See the 2 modification lessons (Making Home Afford. andTraditional)and Frequently Asked Questions and the Short Sale Lesson andShort Sale Frequently Asked Questions.

•   Contact the Executive Area of the Servicer.  See Executive Contacts.
Request the help of a CEO Level Representative for last minute foreclosure postponement and case escalation.

To read this entire article, please go to: http://www.operationrest.org/ForeclosureDefense

If you are in West Palm Beach, Ft. Lauderdale, Miami, Tampa, St. Petersburg, Clearwater or anywhere else in the state of Florida and in need of a law firm knowledgeable about foreclosure defense, then contact us at Korte & Wortman, P.A. Korte & Wortman is a law firm specializing in all aspects of foreclosure including bankruptcy, mortgage debt, short sales, loan modification, predatory lending practices and Dodd-Frank Act violation litigation. We also specialize in credit card debt defense.

We have had excellent results working with a number of clients to help them stave off foreclosure and save their homes by getting them the mortgage modifications they need. Check out a few of our many success stories on our website at http://foreclosurefactor.com/results/loan-modification-results/.

Our home office is based in West Palm Beach, at 2041 Vista Parkway, Suite 102. You can call us at (561) 544-7071, stop in to our office, email us at vdinapoli@kwlawfirm.com or come to our website. Our firm represents clients throughout the state of Florida and across the eastern seaboard. We also have offices in Sunrise and Clearwater, Florida.

Federal loan modification programs extended a year – Florida has most people still in need of help

Earlier this year, the Federal Housing Finance Agency (FHFA) announced that it was extending two government loan modification programs from the end of this year to the end of next year (2016). Most home owners have heard of the first program, the Home Affordable Refinance Program, by its acronym, HARP. The second, lesser known program is the Home Affordable Modification Program. These programs were set up to help homeowners reduce their monthly mortgage payments by as much as $3,000 per year, according to the FHFA.

The extension was announced in response to the number of home owners who are eligible to apply but have yet to do so… 604,680 as of May of this year. Interestingly, the state with the most eligible borrowers who have yet to apply for either plan is right here in Florida. In fact over 13% of the total eligible home owners (81,422), reside here. And over 21% of those borrowers live here in south Florida, the largest percentage of any area in the state.

As this graph from Palm Beach Post writer Kimberly Miller’s article in May shows, after south Florida the second largest area of affected borrowers are in the Tampa-St. Petersburg-Clearwater area.

To read this article in its entirety, please go to: http://realtime.blog.palmbeachpost.com/2015/05/18/more-than-81000-florida-homeowners-missing-out-on-govt-loan-mod-help/

If you are in West Palm Beach, Ft. Lauderdale, Miami, Tampa, St. Petersburg, Clearwater or anywhere else in the state of Florida and in need of a law firm knowledgeable about loan and mortgage modifications, then contact us at Korte & Wortman, P.A. Korte & Wortman is a law firm specializing in all aspects of real estate and home ownership law, including HARP and the Home Affordable Modification Program. We have had excellent results working with a number of clients to save them tens and even hundreds of thousands of dollars on their home loans. Check out a few of our many success stories on our website at http://foreclosurefactor.com/results/loan-modification-results/

In addition to using this blog as a helpful resource, please contact us directly if you have any questions or current legal issues in any type of real estate transaction. Our home office is based in West Palm Beach, at 2041 Vista Parkway, Suite 102. You can call us at (561) 544-7071, stop in to our office, email us at vdinapoli@kwlawfirm.com or come to our website at http://www.foreclosurefactor.com. Our firm represents clients throughout the state of Florida and across the eastern seaboard. We also have offices in Sunrise and Clearwater, Florida.

We look forward to helping you get the legal advice that you need in all HARP, loan modification, Dodd-Frank Act, foreclosure, bankruptcy and credit card situations.