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Don't let foreclosure happen to you - you may be able to stay in your home, and get a chance to recover financially. Don't lose your home because you don't know the law! Don't wait another minute... Call us today at 1-800-64-VILES (1-800-648-4537) to schedule a free case review, or fill out the form at the top right of this page to get started immediately - we will contact you to advise you on your next steps. We are here to help - we've already helped many, many people to stay in their homes.
Viles and Beckman, LLC Offers to Talk to Distressed Homeowners
Don't let the Wall Street Bankers ruin your family's lives. There are many potential defenses available in a foreclosure action, even if you are not making payments, or have already been sued in foreclosure court, or even if you really can no longer afford, or want your home.
What you absolutely SHOULD NOT do is just "walk away" and let the Bankers have their way in Court. By walking away and not defending yourself you will, of course, lose the home, but you will also likely suffer a deficiency judgment - these are often huge money judgments that will hang like a millstone around your neck bringing you and your credit rating down for what seems an eternity.
Personalized Service Centered Around Your Needs and Budget
The Foreclosure help lawyers at Viles and Beckman, LLC will personally talk with you, meet with you in our office, at your home or office, on the telephone or internet, and personally evaluate your case.
No matter where you are in the foreclosure process, there are steps that can and should be taken to protect you. Our initial conversations are absolutely free. If you should decide to retain us help you, in most cases we charge a modest, flat, monthly rate, designed to affordably fit within your personal budget - and the best part is, you get to stay in your home!
Goals Oriented Help - "Do I Stay or Do I Go?"
Many foreclosure victims want to stay in their homes, while many others want to get out of them, and get out of their mortgages. Regardless of your goals, we will strive to focus our efforts to work towards the goals that are best for you.
Ask us about your alternatives, such as:
- Loan modification - in many cases we can get the Bank's cooperation, to work out terms that fit your personal family budget, permitting you maintain home ownership
- Payment, Balance, or Interest reduction
- Keys for cash - in many cases the Bank will pay you cash money to walk away, and you will owe nothing
- Short sales
- Deed in Lieu
We Rarely Recommend Bankruptcy as a First Result
We would caution against a "bankruptcy-fits-all" strategy, where everyone is herded like cattle to bankruptcy. The Bankruptcy Courts in Southwest Florida are among the finest in the Country, and yes, sometimes Bankruptcy can be an appropriate strategy - but we at Viles and Beckman, LLC we view bankruptcy as a last resort - of course, if your personal situation requires it, we are able and willing to help.
Let's Talk! Make the Free Call - You Have Nothing to Lose - and Maybe We Can Help!
Remember, the friendly foreclosure help attorneys at Viles and Beckman, LLC are available to personally talk with you about your situation and provide a confidential, friendly discussion about what your options are and how we might help. The call and the talk is free. Let's Talk!
If you'd prefer, you can get started having us investigate your case, by filling out the FREE CASE REVIEW form on the right side of the screen.
The Best Defense May Often Be a Good Offense
Look at the headlines: The Banks are in a state of chaos because their own corruption and mishandling of loans has been revealed. In many cases in Southwest Florida, we see evidence of harassing collections, inflated charges, and other Bank misconduct. We believe that holding the Bankers accountable - sometimes making them pay you - may be a good and proper strategy.
Foreclosure Problems? Let's Talk!
One call is all it takes to have an immediate, free, confidential foreclosure help attorney personally review your situation and offer ways to help. Let's Talk!
See our foreclosure TV ad here: www.vilesandbeckman.com/foreclosure-TV-ad.asp
Foreclosures Had Errors, Banks Find
Even as banks begin to restart foreclosure proceedings in the US, at least one bank confirmed that they had discovered errors, including incorrect data and misspelled names, in the paperwork that was reviewed.
Related article: Short Sales Resisted as Foreclosures Are Revived (October 25, 2010)
For quite some time, banks have insisted their reviews have not turned up any serious errors, and continue to assert that they have not found a single case where a homeowner was facing foreclosure in error.
However, the banks subsequently revised their fairly combative public stance. One bank had found errors, but only in a very small number of cases, a spokesman for the bank was quoted to have said.
"These are examples of exceptions that were caught early in the process through control steps. They do not reflect exceptions in final documents that are being resubmitted to the courts," the spokesman declared.
Banks halted foreclosures in latter part of September and early in October amid growing controversy over problematic documents, including so-called "robo-signers" - bank employees who, it is believed, signed foreclosure documents without reviewing them. Other foreclosure cases were allegedly initiated despite documents being missing, or incorrect information.
As a result of its review, one bank has consolidated signing and notarization into one step. Previously, these were two distinct steps. One spokesperson is reported as saying that they believe this measure has diminished the problem.
The following weekend, one bank maintained that no homes were foreclosed in error.
"The basis for our foreclosure decisions has been accurate," a spokesperson said, and he added that the bank would work diligently to correct any problems.
Initially, one bank imposed the freeze in 23 states where judicial approval is required before a foreclosure can go ahead, and the bank extended it to cover the entire US on October 8th. But on October 18th, the bank confirmed foreclosures would resume in the initial 23 states and declared it was confident in the procedural process it had established.
"We did a thorough review of the process, and we found the facts underlying the decision to foreclose have been accurate," said a president of the Home Loans division at one bank. "We paused while we were doing that, and now we're moving forward."
Since the controversy began, one of the banks' shares have been negatively affected, and the company has repeatedly sought to reassure investors that it does not expect to see any further sustained financial threat from the alleged foul-up.
Some analysts have begun to reassess earnings expectations, with some of them warning that the mortgage debacle represents a long-term drain on an industry that only recently experienced a shaky recovery.
One of the nation's largest banks that is a servicer of around 20% of all American mortgages is considered a bellwether by many banks and financial analysts, and its decision to resume the processing of foreclosures may be perceived by some of the big banks as an effort to put the growing embarrassment of the situation behind them.
Presently, nobody seems to be willing to assure that banks will be able to calm the public controversy soon. Aside from the robo-signers, attorneys for affected homeowners have reportedly found evidence that documents were lost or even discarded. Fortified with this information, attorneys are preparing for potentially lengthy legal battles.
One bank's troubled mortgage portfolio is a legacy of its acquisition of a sub-prime mortgage specialist that was among the financial institutions with the most troubled loans, as well as its recent merger with a company that was engaged in transforming mortgages into securities to be sold to investors.
In addition, as the beneficiary of more than one infusions of capital by the US Government under the federal TARP bailout program, one bank that was among the banks most dependent on Washington to help survive the financial crisis, received several billion dollars of taxpayer funds. Of that, nearly half came in the form of emergency aid after a business ally's losses were revealed.
With TARP funds paid back, banks remain eager to maintain good rapport with the government, and have stressed that restoring their public image was a crucial factor throughout the foreclosure dispute.
Last Wednesday, one bank reported that earnings in the third quarter were very good, in contrast to a loss a year ago.
Related article: New York Times - http://www.nytimes.com/2010/10/25/business/25foreclosure.html
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