Home – Foreclosure Defense
Foreclosure Debt Collection
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Are You Receiving Collection Letters after a Foreclosure?
After the foreclosure on your home, you might receive collection letters for the amount you still owe on the promissory note. Those debt collection efforts can come from collection agencies, mortgage insurers, mortgage guarantors, lawyers or banks. The smaller regional banks and credit unions tend to be the most aggressive collectors of them all.
You may already feel overwhelmed after the foreclosure, and now you have debt collectors to deal with. Contact Sackrin & Tolchinsky, P.A., in Hallandale Beach to learn more about your rights. We defend clients against foreclosure debt collectors and we can help you. There is never a charge for an initial consultation.
You Have Options - Debt Defenses
Unfortunately, many homeowners do not know that there are defenses available to them when dealing with foreclosure debt collectors. Using the same theories and practices we use to stop home foreclosure, we can defend you against the deficiency judgment collection efforts.
We can negotiate on your behalf to reduce the amount you owe. In addition, we can seek to set aside the judgment against you, under certain circumstances. For example, some judgments against homeowners were obtained by fraud. In the foreclosure case, the lawyer may have filed false affidavits with the court in an effort to cut corners and get the judgment faster.
Then there is robo-signing, when a lender signs thousands of documents and affidavits without verifying the information contained in the document. Some of the nation’s largest banks were caught robo-signing documents in order to fast-track home foreclosures. The result was that thousands of mortgage foreclosures were fraudulent.
If the judgment against you is invalid for any of these reasons, we will defend the collection effort using these arguments, among others, to obtain the best possible result. Most clients are unaware that depending on when the judgment was entered, the interest rate on the judgment is often lower than the default rate on the promissory note, which is 18 percent per year.
Too many homeowners think they are defenseless against foreclosure debt collection. We know the laws related to foreclosure debt collection, and we can use them to help you.
Get a Free Case Evaluation - Call (954) 458-8655
At Sackrin & Tolchinsky, P.A., we will assess your circumstances and create a legal plan designed to achieve the best result in the most efficient manner possible. We have a friendly staff prepared to help you in a confidential and professional environment. Contact our office to speak with a debt collection lawyer at no cost.
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