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You've analyzed your bills. You've tried to negotiate with the bank. You may have even put your house on the market yourself to try and avoid this moment. You're behind on your mortgage payments and now the bank has begun the foreclosure process.

What can you expect from your mortgage company during this difficult and often confusing time? How can you best prepare yourself for what lies ahead? Come join me if you'd like to know...

Hi, I'm Jim Keaveney, I'm a foreclosure defense attorney from Keaveney Legal Group. I represent homeowners in their foreclosure defense cases every day.

Today I want to explore a subject that can be confusing and that is often misunderstood by many homeowners- What to expect from your mortgage company in a foreclosure lawsuit.
Once you've missed a payment, you can expect to start receiving endless, nagging phone calls from the mortgage company. They will hound you for payments. Homeowners are often pressured into cashing out their 401k's, selling vehicles, or borrowing from relatives.

When speaking with the bank, it's common to receive inconsistent, conflicting, and often misleading information. This can include payment amounts, due dates, and "special arrangements" that sound promising, but will ultimately make the situation much worse for you.

For this reason, I always encourage homeowners to keep good records of all correspondence with their mortgage company.

Lenders will try to threaten and intimidate you, while asking you for the same documents over and over. Homeowners who do not have legal representation are an easy target and often get taken advantage of.

Unfortunate examples of these predatory tactics include: pretending to work with you on a solution while, at the same time, continuing the foreclosure process. Mortgage companies offer you the moon, and even tell you to stop making payments. However, in reality, most give you nothing, and then demand exorbitant late fees in addition to your regular payments.

What's more, they don't tell you (or they inform you too late) that when in the trial period for a loan modification, your payments are not being credited to your mortgage balance. Add to this a mountain of confusing, time-consuming paperwork and it's no wonder that so many homeowners are desperate for help in these situations.

We think these predatory tactics are wrong and we're here to help.

I'm Jim Keaveney; I'm a foreclosure defense attorney from Keaveney Law Group. We represent homeowners in their foreclosure defense cases every day. If you would like to learn more, pick up the phone and call me. 1-800-219-0939 or by email at [email protected]. I'm Jim Keaveney, thanks for watching.

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