Protecting the Rights of Consumers For Over 25 Years

There has recently been an upsurge of attempts to --

(1) foreclose on mortgages and home equity lines of credit on which no payment has been made for 5 years or more, and

(2) file suits to collect second mortgage and home equity lines of credit left outstanding when a first mortgage was foreclosed. 

(3) Add interest to old loans where no periodic statements have been sent for years.

Most of these debts went into default during the 2008 financial collapse. In many cases, scavenger debt buyers have acquired them for pennies on the dollar and are attempting to enforce them.

We have developed a number of arguments to defeat these claims. The Appellate Court has negated liability in situation (2), above. Situation (3) violates the Truth in Lending Act and Regulation Z.  There may also be affirmative claims against the debt buyers and collectors.

Please contact us if someone is attempting to enforce an old mortgage loan against you, or if you receive collection communications regarding such a loan, or if interest is being added to a loan on which you have not received periodic statements.