Tag Archives: Facing

Advantage Legal Group Providing three Foreclosure Defense, Mortgage Mediation Seminars in January for Property owners in Washington State Facing Foreclosure

Posted on by


Bellevue, WA. (PRWEB) December 19, 2012

Benefit Legal Group is Supplying three Foreclosure Defense Seminars in January 2013 to teach Washington State home owners facing foreclosure about the choices offered which includes mortgage mediation under the Washington State Foreclosure Fairness Act, mortgage modification, real estate brief sales and bankruptcy.

&#13

The Washington Foreclosure Fairness Act (FFA) offers Washington State property owners facing foreclosure a little known proper to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation system right after Nevada and Maryland. Although the law has been in effect since July 22, 2012, it is estimated that much less that ten% of those eligible have availed themselves of the system to date. &#13

The so referred to as Foreclosure Fairness Act, offers distressed home owners operating with an lawyer or housing counselor, the right to an in-particular person mediation procedure to steer clear of foreclosure of their primary residence. Home owners can’t request mediation themselves and have to request it by way of an attorney or housing counselor. Numerous smaller sized banks and credit unions are exempt if they had much less than 250 foreclosures in the state in the previous year.

&#13

Washington State attorney, Jonathan Smith, with the law firm of Advantage Legal Group says this can be extremely effective indicates for most homeowners facing foreclosure to mediate a modification of their loan and avoid foreclosure. For those eligible, the Foreclosure Fairness Act (FFA) provides framework via which mortgages can be re-negotiated.

&#13

The method is overseen by the Washington State Department of Commerce. Once mediation is requested by an lawyer or housing counselor, the Department of Commerce assigns a mediator. The law then requires the parties to exchange monetary data and demands the banks to provide proof of ownership of the loan as effectively as an accounting of all charges and charges. If the homeowner was previously declined for a modification, they are necessary to state why and supply any appraisals or other details relied upon. The Act also requires the bank to appear at the face to face mediation with their attorneys and a individual from the bank present with the authority to sign off on a loan modification on the spot.

&#13

Jonathan Smith, whose firm serves most of Western Washington, notes that a excellent quantity of his clientele are acquiring modified loans by way of this procedure and numerous have seen dramatic reductions in their month-to-month loan payments. Smith says Of course it dependent on the customers circumstance, but we are typically in a position to bring a clients loan, that is months or even years behind, existing and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith routinely attains these outcomes for his clientele. It is not unusual for my customers loans to be recast at rates as low as 2% interest price says Jonathan Smith.

&#13

Carmen Arruda, Regional Account Manager, with Fidelity National Title, says I am seeing excellent results from this program and hope that much more property owners will avail themselves of this mortgage mediation plan. It is heartbreaking to see so several individuals foreclosed upon every single month who do not even know about this fabulous program offered to Washington State property owners. I do not recognize why the state or the media dont market the Foreclosure Fairness Act or mortgage mediation far more.

&#13

As a bankruptcy lawyer in Bellevue, Seattle and Western Washington, Jonathan Smiths law firm also utilizes federal bankruptcy law to eliminate unsecured debt, and if the value of the home is much less than what is owed on the very first mortgage, to strip off second or third mortgages and discharge them in bankruptcy. The mediation method can also be employed to negotiate brief sales as properly. Says attorney Jonathan Smith. Our firm has negotiated hundreds of quick sales, says Mr. Smith and we frequently combine these approaches, renegotiate the very first mortgage via mortgage mediation and strip off second mortgages all together via a chapter 13 reorganization bankruptcy to attain fantastic results for our consumers.

&#13

Benefit Legal Group is a debt relief agency providing foreclosure defense services in Washington State which includes mortgage mediation, mortgage modification, brief sales and bankruptcy.

&#13

Benefit Legal Group provides free of charge foreclosure defense seminars in Western Washington. The following is the schedule of upcoming foreclosure defense seminars for January 2013. &#13

&#13

Plight Of Homeowners Facing Foreclosure Gains New CFPB Protections

Posted on by


Minneapolis, Minnesota (PRWEB) January 18, 2013

The Consumer Finance Protections Bureau (CFPB is establishing stronger foreclosure protections for homeowners due to the realities that the mortgage servicing industry has “seasoned difficulties with poor practices and sloppy recordkeeping. As millions of borrowers fell behind on their loans”. With a heavier operate load as foreclosure filings increased, many servicers have been unable to offer adequate services required to meet accountable property owners requirements.

&#13

“As the housing industry begins 2013 it is saturated with millions of distressed home owners and homeowners continuing to experience severe problems gaining a timely response after requesting a house loan modification or other options to steer clear of foreclosure,” says Jenna Thuening, owner of Property Destination.

&#13

“A lot of (mortgage servicers) merely had not produced the investments in sources and infrastructure to service big numbers of delinquent loans, Shoppers complained about getting the runaround and becoming hit with pricey surprises,” states the Bureau.

&#13

The CFPBs mortgage servicing rules make certain that fraught property loan borrowers get a fair method to steer clear of foreclosure. Struggling home owners looking for mortgage debt relief shouldnt have to worry about mortgage servicers cutting corners or losing applications for relief. They should be told about their alternatives and offered time to apply and be deemed for loan modifications and other options. Most of all, they shouldnt be surprised by the start off of a foreclosure proceeding until they have had time to explore all accessible foreclosure alternatives help. Responsible property owners who take action promptly to seek foreclosure alternatives, need to not face a looming foreclosure sale before their applications have been pretty evaluated.

&#13

The CFPB is amending Regulation X, which implements the Actual Estate Settlement Procedures Act of 1974, and implementing a commentary that sets forth an official interpretation to the regulation. The CFPB is also amending Regulation Z, which implements the Truth in Lending Act and the official interpretation to the regulation, which interprets the needs of Regulation Z. These final guidelines implement provisions of the Dodd-Frank Act concerning mortgage loan servicing.

&#13

Property Location Sees The Best New Protections For Struggling House Borrowers As:

&#13

1) Notification of Foreclosure Options: Servicers must let homeowners that borrow a house loan know about their loss mitigation options to retain their home following borrowers have missed two consecutive payments. They need to supply them a written notice that contains examples of options that may possibly be obtainable to them as alternatives to foreclosure and instructions for how to receive much more information.

&#13

two) Restricted Dual-Tracking: Under the CFPBs new guidelines, dual-tracking, which is when the servicer moves forward with foreclosure whilst simultaneously working with the borrower to keep away from foreclosure, is restricted.

&#13

3) Direct and Ongoing Access to Servicing Personnel: Servicers should have policies and procedures in place to offer delinquent borrowers with direct, simple, ongoing access to staff accountable for helping them.

&#13

four) Fair Assessment Procedure: The servicer have to contemplate all foreclosure options accessible from the mortgage owners or investors these who hold the choice-creating energy over the homeowner’s loan to help the struggling homeowner retain the property loan and stay in their property.

&#13

five) Foreclosure Sales Not Allowed Before All Other Alternatives Are Regarded: Servicers have to consider and respond to a home owners loan modification application if it arrives at least 37 days ahead of a scheduled foreclosure sale. If the servicer gives an option to foreclosure, they must give the borrower time to accept the supply prior to moving for foreclosure judgment or conducting a foreclosure sale.

&#13

six) Borrower Recourse: Servicers have to explain why they have rejected a delinquent home owners application for a loan modification if the application is received a lot more than 37 days ahead of a foreclosure sale.

&#13

“Mortgage servicers who select to be indifferent to the plight of customers will now be subject to these mandatory guidelines,” stated Richard Cordray, director of the Consumer Financial Protection Bureau. With a strong housing recovery effectively in progress and worthy of nourishing along, drawing along side struggling property owners and generating sure care is offered to preserve property owners in their residences is clearly a leading priority. Mortgage servicers must function to offer foreclosure support and solutions.

&#13

It’s unclear no matter whether the new rules will make getting a home loan a lot more or less offered in general. “Some business critics say that by imposing stricter standards for who can get a mortgage, the rules will place a crimp in lending. On the other hand, other individuals say that finally having the rules in place eliminates uncertainty for lenders, while new liability protections will enable them to lend with self-confidence,” says NASDAQ’s webpage.

&#13

Home owners getting forced into the Minnesota foreclosure timeline, don’t stroll away from your mortgage. Get in touch with Property Location at 612-396-7832 and gain the guidance of a skilled Certified Distressed Property Professional.

&#13
&#13
&#13
&#13
&#13

Much more Loan Modification Services Press Releases

Guidelines Implemented for Homeowners Facing Foreclosure

Posted on by


Chicago, IL (PRWEB) January 21, 2013

The Federal Savings Bank finds that homeowners who are facing forclosure can now take some of the pressure off themselves, as the Customer Monetary Protection Bureau recently announced rules that would give protection for these in worry of losing their house.

&#13

The new rules established by the CFPB also safeguard mortgage borrowers from getting deceived by their lenders, permitting the home owners to get a fair approach when looking to avoid getting put out of their houses.

&#13

Integrated in the protectionist restricted dual-tracking, which is when the service provider of the mortgage continues the foreclosure method whilst also functioning with the borrower to help them to avoid going through the method of losing their residence. Service providers will no longer be in a position to commence the foreclosure approach if the borrower has currently submitted a completed application for a loan modification or some other type of protection to steer clear of foreclosure.

&#13

Another provision in the new law is notification of foreclosure options, which could give property owners the tools they require to keep in their residences. Servicers are now essential to let property owners know what steps they can make after they’ve missed two consecutive mortgage payments. A written notice is essential, like examples of the measures that could be taken as an alternative to foreclosure.&#13

For a lot of borrowers, dealing with mortgage servicers has meant unwelcome surprises and consistently acquiring the runaround, stated CFPB Director Richard Cordray. “In as well many cases, it has led to unnecessary foreclosures. Our rules make certain fair therapy for all borrowers andestablish robust protections for those struggling to save their properties.

&#13

Added provision supplies access to details

&#13

Yet another provision integrated in the new rules is direct and ongoing access to servicing personnel, providing home owners a better opportunity of speaking with somebody who can answer all of the questions they may possibly have. The personnel is held accountable for alerting borrowers of any missing information on their applications, informing borrowers about the status of any loss mitigation applications and generating confident documents are promptly handed to servicing personnel for processing.

&#13

Several Americans are becoming put back to operate, as the unemployment price of 7.eight % shows. Considering far more Americans are financially steady, mortgage applications increased by 45 %, showing a lot more initial-time homebuyers are obtaining bargains on residences and taking advantage of the low prices even though they can.

&#13
&#13
&#13
&#13
&#13

Stop Residence Foreclosure Aid Expands Its Info to Give Even More Material for Men and women to Discover What to Do When Facing Mortgage Payment Difficulty

Posted on by


Pittsfield, MA (PRWEB) March 25, 2013

Stop Property Foreclosure Aid stands as a comprehensive totally free information resource area for folks with mortgage payment difficulties. Even though the web site undoubtedly helps men and women in foreclosure, the articles also endeavor to engage folks prior to their 1st late payment to address concerns before they become key troubles. Unlike most other sites about foreclosure, the Stop Property Foreclosure Support pages come with no hidden agenda or solution. The sites aims to educate and guide home owners to the ideal remedy for their own personal scenarios with out trying to push any distinct strategy which represents a company associated with the webpage. A former foreclosure prevention attorney who specialized in non-bankruptcy foreclosure prevention authored all FAQs and articles, such as these on bankruptcy. As much as both property owners and banks could favor avoiding bankruptcy in theory, typically filing chapter 13 bankruptcy becomes the final and only option to stop foreclosure.

&#13

With a simple foreclosure FAQ and a lot of articles on methods to adjust private finances to stay out of mortgage trouble in the very first place, internet site articles aim to keep a foreclosure from ever beginning. An crucial and popular web page debunks unsafe foreclosure myths that can lead to folks losing their houses if they fail to know the genuine truth.

&#13

Those already late on payments might study about certain solutions for stopping foreclosure like mortgage loan modification, chapter 13 bankruptcy and even mortgage refinancing with undesirable credit if payments did not fall too far behind but. Several men and women lose hope at the first legal notice from the bank, but until the final drop of the gavel from the auctioneer a homeowner might take advantage of many possibilities for avoiding mortgage foreclosure.

&#13

In addition to particular support to stop foreclosure, numerous articles merely assist with the feelings faced by dealing with losing their property. From some of the psychological troubles of individuals tackling any debt concern to intriguing information about why foreclosure can be worse than getting a victim of a organic disaster from a private point of view individuals can hopefully feel a bit stronger and not so alone about their battle.

&#13

Folks who nevertheless feel lost or need a second opinion on the very best way for them to proceed and keep their residence may possibly take advantage of a toll cost-free quantity supplied for a no price consultation. When saving the house no longer remains a viable alternative an honest discussion could take palce about the best ways to give up the home such as through a brief sale or deed in lieu of foreclosure.

&#13

Property foreclosure represents one particular of the most hard challenges a person offers with in their lives. The ideal way to navigate it requires moving with all of the relevant knowledge one can possibly garner. The cost-free articles and FAQs on the Quit Property Foreclosure Help site supply a tremendous resource to understand what is taking place and respond at each and every stage of the foreclosure approach in a way that achieves the objective of maintaining the house.

&#13

About:&#13

Quit Residence Foreclosure Help stands as a element of the Bankruptcy Options – Debtor’s Alternatives family of monetary data and tools web pages started in 1996 and currently provided by the Financial Firebird Corporation with a goal of offering buyers with free unbiased support from a former debt exercise and bankruptcy lawyer in picking the proper path to a brighter financial future.

&#13
&#13
&#13
&#13
&#13

Seattle Foreclosure Defense Seminars – Answers for Seattle Location Homeowners Facing Foreclosure on Their Residence

Posted on by


Seattle, WA. (PRWEB) March 15, 2013

Benefit Legal Group is Providing three Foreclosure Defense Seminars in March 2013 to teach Washington State home owners facing foreclosure about the choices obtainable like mortgage mediation beneath the Washington State Foreclosure Fairness Act, mortgage modification, actual estate brief sales and bankruptcy.

&#13

The Washington Foreclosure Fairness Act (FFA) provides Washington State home owners facing foreclosure a little recognized proper to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation program soon after Nevada and Maryland. Whilst the law has been in impact given that July 22, 2012, it is estimated that less that 10% of these eligible have availed themselves of the system to date.

&#13

The so referred to as Foreclosure Fairness Act, provides distressed property owners functioning with an lawyer or housing counselor, the proper to an in-individual mediation approach to stay away from foreclosure of their primary residence. Home owners can’t request mediation themselves and have to request it via an lawyer or housing counselor. Many smaller banks and credit unions are exempt if they had much less than 250 foreclosures in the state in the prior year.

&#13

Washington State lawyer, Jonathan Smith, with the law firm of Advantage Legal Group says this can be extremely effective means for most home owners facing foreclosure to mediate a modification of their loan and avoid foreclosure. For those eligible, the Foreclosure Fairness Act (FFA) gives framework via which mortgages can be re-negotiated.

&#13

The approach is overseen by the Washington State Division of Commerce. Once mediation is requested by an attorney or housing counselor, the Division of Commerce assigns a mediator. The law then requires the parties to exchange monetary data and requires the banks to provide proof of ownership of the loan as nicely as an accounting of all fees and charges. If the homeowner was previously declined for a modification, they are needed to state why and supply any appraisals or other details relied upon. The Act also needs the bank to appear at the face to face mediation with their attorneys and a particular person from the bank present with the authority to sign off on a loan modification on the spot.

&#13

Jonathan Smith, whose firm serves most of Western Washington, notes that a wonderful number of his consumers are obtaining modified loans by means of this method and many have observed dramatic reductions in their month-to-month loan payments. Smith says Of course it dependent on the customers situation, but we are frequently in a position to bring a customers loan, that is months or even years behind, existing and lengthen their loan period out to 40 years in a completely amortized loan. Mr. Smith often attains these results for his customers. It is not unusual for my customers loans to be recast at rates as low as two% interest rate says Jonathan Smith.

&#13

Carmen Arruda, Regional Account Manager, with Fidelity National Title, says I am seeing excellent final results from this plan and hope that much more homeowners will avail themselves of this mortgage mediation plan. It is heartbreaking to see so a lot of people foreclosed upon every month who do not even know about this fabulous program offered to Washington State homeowners. I do not recognize why the state or the media dont market the Foreclosure Fairness Act or mortgage mediation far more.

&#13

As a bankruptcy attorney in Bellevue, Seattle and Western Washington, Jonathan Smiths law firm also makes use of federal bankruptcy law to get rid of unsecured debt, and if the worth of the property is significantly less than what is owed on the 1st mortgage, to strip off second or third mortgages and discharge them in bankruptcy. The mediation approach can also be utilized to negotiate short sales as properly. Says attorney Jonathan Smith. Our firm has negotiated hundreds of quick sales, says Mr. Smith and we usually combine these approaches, renegotiate the 1st mortgage via mortgage mediation and strip off second mortgages all collectively through a chapter 13 reorganization bankruptcy to achieve wonderful results for our customers.

&#13

Benefit Legal Group is a debt relief agency offering foreclosure defense solutions in Washington State like mortgage mediation, mortgage modification, brief sales and bankruptcy.

&#13

Benefit Legal Group offers totally free foreclosure defense seminars in Western Washington. The following is the schedule of upcoming foreclosure defense seminars for January 2013. &#13

&#13
Bellevue: Saturday March 23rd from 10:00 AM to Noon – Coast Bellevue Hotel – 625 116th Ave NE, Bellevue,WA. 98004&#13

Lynnwood: Monday March 18th from 7:00 PM to 9:00 PM – Lynnwood Convention Center 3711 196th St. SW Lynnwood, WA. 98036 &#13

Tacoma: Thursday March 21st from 7:00 PM to 9:00 PM – Higher Tacoma Convention and Trade Center – 1500 Broadway, Tacoma, WA. 98402

Space is limited so confirm your spot by submitting the registration type on the Advantage Legal Group Internet site.

&#13
&#13
&#13
&#13
&#13

Certified Securitization Analysis, LLC Offers Homeowners Facing Wrongful Foreclosure Tips on How to Defend Themselves

Posted on by


San Francisco, California (PRWEB) February 28, 2012

Certified Securitization Analysis, LLC, According to the recent government settlement, a $ 2,000 payment will be made to borrowers in response to the banks fraudulent robo-signing practices. Unfortunately, the announced settlement is too little and too late for most borrowers facing foreclosure. Homeowners are left with little option except to pursue a civil case against fraudulent mortgage securitization practices. Certified Securitization Analysis, LLC has been conducting hundreds of mortgage securitization audits to assist borrowers facing imminent foreclosure. Below is a brief overview of mortgage securitization as well as industry best practices tips for the borrower to protect themselves while facing predatory lenders wrongful foreclosure practices.

What is Mortgage Securitization? A Brief Background

Current U.S. mortgage debt stands at $ 14 trillion. Most mortgages in the U.S. are securitized and owned by trusts and are often referred to as RMBS or MBS trusts, standing for residential mortgage-backed securities. The trusts are made up of a pool of mortgages (often greater than 5,000 mortgages per trust). The loans are usually sub-prime loans. Individual mortgages were packaged into MBS Trusts; these MBS trusts were pooled, sliced and sold. The mortgage loans in each pool, or MBS Trust, include both first and second lien mortgages, both fixed-rate and adjustable rate loans. There are different classes within each pool of loans, representing different qualities of loans. It is not unusual for each pool to have as many as 20 different classes. Bonds are issued to investors to represent the purchase, so investors are often called bond holders. The loans are selected for each pool by a particular date, often called the closing date of the trust. While a trust may substitute loans into the pool after the closing date, there are strict guidelines on such substitutions. The pool of loans is described in a prospectus usually called a 424B filing with the Securities and Exchange Commission a printed document that describes the business enterprise that is distributed to prospective buyers and investors. Many representations (promises) are made to the potential buyers of these bonds regarding the loans in each pool in both the prospectus and the Pooling and Servicing Agreement. Most of these promises to date have been misrepresented whether intentional or not, which has resulted in numerous investor lawsuits against banks and wall street investment firms involved in the marketing of such securities.

There is still a valid defense against wrongful foreclosure. Here are some tips on what to look for:

1) Borrowers need to insure that the foreclosing entity is the actual Note Holder. Banks act as pretender lenders, when originating a loan. After it is sold to the Bond Holders (Investors), they take on the role of loan servicing only. If payments cease, then the Loan Servicer does have the right to initiate foreclosure proceedings, but only the Note Holder can actually complete the foreclosure process.

2) Borrowers need to insure that the foreclosing entity is in possession of the original mortgage note The mortgage lender (Pretender) must be in possession of the original wet ink mortgage note to foreclose, hence the term Produce the Note. Be aware that after several hundred audits, CSA, LLC has never seen a bank produce the original wet ink promissory note.

3) Borrowers must check to see if the promissory note and the deed of trust have been separated. The banks split the Promissory Note and Deed of Trust in every Securitization Agreement. They sold the Note to the investors and recorded the deed with the county recorder, or in over 50% of the cases, Mortgage Electronic Registration Systems, (MERS). MERS told the servicers to hold the notes, and many or most of them were destroyed or lost. Further, the notes were separated from the mortgages, making them null and void.

5) Borrowers need to check if loan was recorded with MERS. Improper Mortgage Assignment Over 60 million mortgages were assigned to MERS (Mortgage Electronic Registration Systems, Inc.) MERS business practices have been ruled by a NY Bankruptcy Judge in 2011 as unlawful.

6) Borrowers need to learn how to create a free account on http://www.secinfo.com for investigation of public SEC filings. Objection to an Entity that is Foreclosing Mortgage Servicers will often foreclose in their own name and not reveal the identity of the true holder of the note. Since most of the Mortgages, if not all are owned by investors, through MBS Trusts, each investor only owns a portion of the collective pool of mortgages, but not any one specific mortgage. Therefore, there is no one who can legally foreclose.

7) Borrower must demand that the mortgage lender validate the debt. If homeowners would read their Deed of Trust they would discover it to be a glorified lease Agreement. This is why when paying off a mortgage, a homeowner must request a payoff letter from the bank, this is the only time the bank is admitting that there is a debt in existence. There are many reasons for this and will be discussed in-depth on our website soon.

CSA is now offering free mortgage securitization audit assessments to homeowners facing foreclosure. As legal options are dwindling, this should be the main focus of any wrongful foreclosure defense.

For more information, please contact us at http://www.securitizationanalysis.com or write to: sales(at)securitizationanalysis(dot)com or call (415) 316 8776 to schedule a time for a mortgage securitization assessment.

About Certified Securitization Analysis, LLC

Certified Securitization Analysis (CSA), LLC is a consumer advocacy firm that provides due diligence and investigates mortgage securitization fraud. The Companys proprietary methods and processes for audit and analysis focus on legal standing issues in foreclosure situations where the underlying mortgage was securitized.

CSA is not a law firm. CSAs information and services are not intended as legal advice and practice.

###







Legal Armor Donates $1 Million in Legal Fees to Help Homeowners Facing Foreclosure

Posted on by

(PRWEB) April 29, 2013

In the response to widespread misconduct and mishandled loan modification scandals by lenders across the country, Legal Armor is launching a $ 1 Million donation campaign to help Americans facing foreclosure.

Homeowners facing foreclosure often do not have the money to hire an attorney for sound legal advice regarding their options even when there is gross misconduct on the part of their lenders in the loan modification and/or their foreclosure process. Homeowners are often forced to seek advice from their friends, mortgage brokers, real estate agents or even from the Internet.

Legal Access is no longer affordable to the common American, says Yvonne Engelbrecht, the VP of Operations of Legal Armor. We created Legal Armor to make it affordable for homeowners to get sound legal advice. Getting bad advice from uninformed but well intentioned people often lead homeowners to make poor decisions that could lead them to lose their homes, ruin their credit and owe money to the IRS. Homeowners should discuss their situation with an attorney that specializes in foreclosure defense who can give them the full spectrum of options that they may not otherwise be aware of.

Legal Armor was created to give homeowners facing foreclosure affordable access to a foreclosure defense attorney who can advise them on their options.

As part of its launch, Legal Armor is donating $ 1 million in legal services churches and any other non-profit organizations that currently help struggling homeowners. Churches and non-profit organizations have been the bastions of hope for many homeowners. We want to reach out to these organizations and offer assistance to them to help their members who are facing foreclosure.

Any church and non-profit organizations that are interested in obtaining more information about our program should visit http://www.legal-armor.com/resources.

About Legal Armor:

Legal Armor sells membership plans to homeowners facing foreclosure. Membership benefits include vital foreclosure defense services such as affordable access to a foreclosure defense attorney, securitization audits, credit counseling and more.

Legal Armor is a privately held company that was founded in response to the growing need for Americans facing foreclosure to have affordable access to an attorney that understands foreclosure defense. It was founded in 2012 and is based in Chicago, Illinois.

For more information about Legal Armor, come to: http://www.legal-armor.com