| If you are facing foreclosure and or other debilitating | | | | Las Vegas Nevada |
| and caustic financial challenges it is a time for careful | | | | Portland Oregon |
| reflection because the decisions you are in the | | | | Louisville Kentucky |
| process of making are going to have lasting effects | | | | Oklahoma City Oklahoma |
| on your credit FICO score, your ability to borrow | | | | Tucson Arizona |
| money and the cost of money to you for years to | | | | Atlanta Georgia |
| come. There are many attorneys who will strongly | | | | Albuquerque New Mexico |
| suggest bankruptcy to you as an alternative to | | | | Kansas City Missouri |
| foreclosure. As a practical matter bankruptcy is not | | | | Fresno California |
| an alternative to foreclosure, it ONLY buys you a little | | | | Sacramento California |
| time while having a fairly significant impact on your | | | | Long Beach California |
| credit. Trust me, just as soon as your bankruptcy is | | | | Mesa Arizona |
| discharged your mortgage lender will be waiting with a | | | | Omaha Nebraska |
| motion to lift the stay on their ability to foreclose on yur | | | | Cleveland Ohio |
| property. Further, bankruptcy can prevent you | | | | Virginia Beach Virginia |
| from obtaining the employment you would otherwise | | | | Miami Florida |
| enjoy. It can also prevent you from having certain | | | | Oakland California |
| security clearances which is very important here in | | | | Raleigh North Carolina |
| Washington DC, Virginia and Maryland area where the | | | | Tulsa Oklahoma |
| Federal payroll is the largest supplier of employment. | | | | Minneapolis Minnesota |
| So how does one decide. This is not legal advice | | | | Colorado Springs Colorado |
| but rather a practical look at choices one has facing | | | | Honolulu Hawaii |
| foreclosure. In my opinion, if foreclosure is the only | | | | Arlington Texas |
| significant issue you face and you have little or no | | | | Wichita Kansas |
| unsecured debt such as credit cards,medical bills, non | | | | St. Louis Missouri |
| secured credit lines or department store credit cards, | | | | Tampa Florida |
| don't get talked into bankruptcy and don't allow | | | | Santa Ana California |
| foreclosure. You can Short sell the property and | | | | New Orleans Louisiana |
| regroup. You'll be able to borrow again in 2 years | | | | Anaheim California |
| within the new federal underwriting guidelines. | | | | Cincinnati Ohio |
| Or alternatively, if you are not terribly upside down in | | | | Bakersfield California |
| the property you must consider obtaining a REAL | | | | Aurora Colorado |
| forensic mortgage audit. More so if you are in an | | | | Pittsburgh Pennsylvania |
| adjustable rate mortgage. 99 out of 100 of | | | | Riverside California |
| these ARM's are loaded with underwriting violations | | | | Toledo Ohio |
| some of which allow you to rescind your mortgage | | | | Stockton California |
| altogether. (go to the rescission page for more | | | | Corpus Christi Texas |
| on rescission) A complete forensic analysis of | | | | Lexington Kentucky |
| your mortgage gives you leverage on your | | | | St. Paul Minnesota |
| lender. Here's the deal. If your lender | | | | Anchorage Alaska |
| understated the finance charge on your final truth in | | | | Newark New Jersey |
| lending disclosure by more than $35.00 your | | | | Buffalo New York |
| mortgage is legally non-foreclosable. Finding this | | | | Plano Texas |
| violation gives you excellent protection under regulation | | | | Henderson Nevada |
| Z of the Truth in Lending Act. Banks do not want | | | | Lincoln Nebraska |
| you to know this. They want to be able to | | | | Fort Wayne Indiana |
| obfuscate, procrastinate and humiliate you into giving | | | | Glendale Arizona |
| your last few dollars to them. In my opinion it is | | | | Greensboro North Carolina |
| so much better to not pay your lender but give the | | | | Chandler Arizona |
| money to a good RESPA / TILA attorney to fight for | | | | St. Petersburg Florida |
| your rights if you find significant violations within your | | | | Jersey City New Jersey |
| mortgage. It just makes sense. The lender | | | | Scottsdale Arizona |
| will have a high probability of making you an offer to | | | | Norfolk Virginia |
| lower your rate, fix the rate and potentially give you a | | | | Madison Wisconsin |
| principal reduction if your mortgage has a | | | | Orlando Florida |
| rescissionable violation of TILA. A good | | | | Birmingham Alabama |
| attorney can file an injunction or TRO- Temporary | | | | Baton Rouge Louisiana |
| Restraining Order to stop foreclosure based on the | | | | Durham North Carolina |
| results of a forensic loan audit and put you in an | | | | Laredo Texas |
| excellent negotiating posture with your lender. | | | | Lubbock Texas |
| It works, we know because we do it. | | | | Chesapeake Virginia |
| Now on the other hand, if you have massive | | | | Chula Vista California |
| unsecured debt and no ability to repay or if it will take | | | | Garland Texas |
| you 10-15 years to pay off your unsecured debt and | | | | Winston-Salem North Carolina |
| your home purchase was much more home than you | | | | North Las Vegas Nevada |
| need and you are significantly underwater, bankruptcy | | | | Reno Nevada |
| is a good option. You can short sell it while in | | | | Gilbert Arizona |
| bankruptcy in most cases. Bankruptcy doesn't | | | | Hialeah Florida |
| carry with it the meaning or social consequences that | | | | Arlington Virginia |
| it once did in the wake of this credit crisis. The | | | | Akron Ohio |
| lenders know that their own policies created the | | | | Irvine California |
| sub-prime buying frenzy that resulted in the economy | | | | Rochester New York |
| we now face. It was in all probability their fault not | | | | Boise Idaho |
| yours. Further, bankruptcy will cause your cost of | | | | Modesto California |
| money to be higher in the foreseeable future but it will | | | | Fremont California |
| not prevent you from borrowing. Many of our | | | | Montgomery Alabama |
| clients report getting credit card offers and mortgage | | | | Spokane Washington |
| fliers just months after their bankruptcies are | | | | Richmond Virginia |
| discharged. Legal Forensic Auditors shares office | | | | Yonkers New York |
| space with a RESPA TILA attorney and we will be | | | | Irving Texas |
| happy to take a free look at your mortgage | | | | Shreveport Louisiana |
| documents to help you determine if a full forensic audit | | | | San Bernardino California |
| is your best next move. Fill out the form below if | | | | Tacoma Washington |
| you are in mortgage trouble or facing foreclosure. | | | | Glendale California |
| If you are behind on your mortgage, in jeopardy of | | | | Des Moines Iowa |
| losing your home, cannot afford your current payment | | | | Augusta Georgia |
| because you expected to refi but cannot, Read the | | | | Grand Rapids Michigan |
| step by step QWR page after filling out this form. We | | | | Huntington Beach California |
| will contact you within 48 hours. | | | | Mobile Alabama |
| We dont spam and your information is completely | | | | Moreno Valley California |
| private here. We are located in Virginia. | | | | Little Rock Arkansas |
| We are actively looking for TILA and RESPA familiar | | | | Amarillo Texas |
| attorneys in the following cities: Please contact us | | | | Columbus Georgia |
| if you are a bankruptcy or litigation attorney in one of | | | | Oxnard California |
| these areas who files rescission actions against | | | | Fontana California |
| mortgage lenders and wish to partner with a real | | | | Knoxville Tennessee |
| forensic mortgage auditing shop. | | | | Fort Lauderdale Florida |
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