Stop your Foreclosure with 1 piece of paper

Yes Chris, I one of the 50 homeowners am ready to STOP Foreclosure ASAP!

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The Bank May Not Have the
Legal Right to Foreclose on You

Federal law required your bank to take specific steps before filing. Most banks skipped them. Fill out the 10-minute form below and I'll tell you exactly what your legal defenses are — at no charge.

✓Completely free
✓Plain English results
✓No lawyer needed
✓Confidential
✓Works on any loan type
Takes about 10 minutes  ·  No sign-up required  ·  Your information is never shared
⚖️Based on real federal foreclosure defense law
🤖AI-powered case analysis
🔒Your answers are confidential
📋Custom documents generated for your case
📞Free HUD counselors: 1-800-569-4287
Before you begin: Answer every question as completely as you can. Your answers are confidential and used only to identify which legal rights and defenses apply to your case. This is legal information only — not legal advice. Free HUD housing counselors are available at 1-800-569-4287.
Section 1 of 8
1
Your Contact Information Name, phone, email, and state
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Your full name
Best phone number
Email address
State where property is located
Laws vary by state and affect which defenses apply
2
Your Property The home being foreclosed on
▾
Full address of property
Type of property
Is your name on the deed? KEY
Do you currently live in this property? KEY
Affects the bank's legal obligation to visit before foreclosing
When did you buy this property?
Purchase price / current estimated value
3
Your Loan Check your original loan papers for these answers
▾
Name of your original lender
Who gave you the loan — not who collects payments now
Is your loan FHA or HUD insured? KEY
Look for a boxed "FHA Case Number" on your note — triggers strongest federal protections
Is it a VA loan (veterans)?
Fixed or adjustable (ARM) rate? IMPORTANT
ARM loans have errors in up to 50% of cases
Monthly payment / original loan balance
Original purchase or refinance?
Refinances may give you the right to cancel the loan
Were you switched from fixed to adjustable rate at or near closing? KEY
This is a form of fraud — a very strong defense
4
Who Is Foreclosing On You ⚠ Critical — who is suing you matters enormously
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Name of the Plaintiff (who filed the lawsuit) KEY
Find this at the top of the foreclosure complaint papers you were served
Is the plaintiff your original lender? KEY
If different, they must prove they legally own your loan
Does plaintiff name include "Trust," "Trustee," "Securities," or "Certificate Holders"? KEY
Wall Street trusts often cannot prove they own the loan
Does "MERS" appear on any of your documents? KEY
MERS = Mortgage Electronic Registration Systems — its authority to foreclose is frequently challenged
Is there an "Assignment of Mortgage" signed AFTER the foreclosure was filed? KEY
A late assignment = the bank may have had no legal right to sue — case may be dismissible
Is there a "Lost Note Affidavit" — bank claims original note is missing? IMPORTANT
Do signatures on documents look like rubber stamps, squiggles, or block-printed names? IMPORTANT
Signs of "robo-signing" — courts have voided these documents
5
What the Bank Did Before Foreclosing Federal law required specific steps — most banks skipped them
▾
How many monthly payments are you behind?
What caused you to fall behind? IMPORTANT
Hardship beyond your control strengthens your case
Before 3 payments were missed, did anyone from the bank try to visit or meet with you? KEY
Federal law (24 C.F.R. §203.604) REQUIRES this for FHA loans before foreclosure can be filed
Did the bank offer a real loan modification you could afford? KEY
Did the bank offer forbearance — a temporary payment pause? KEY
Did the bank ever refuse a payment you tried to make? IMPORTANT
Did the bank send you a notice about free HUD housing counseling? IMPORTANT
Required by federal law on ALL mortgage types — not just FHA
6
Fees, Balance & How You Got the Loan Illegal fees and closing problems are strong defenses
▾
Have attorney fees, inspection fees, or other charges appeared on your statement that you never agreed to? KEY
Did you receive a Truth in Lending disclosure before closing? IMPORTANT
Required by law — shows rate, total payments, and APR
Was a mortgage broker involved? IMPORTANT
Brokers sometimes received secret kickbacks — a RESPA violation
Were you approved without being asked to prove your income? KEY
"Stated income" or "no-doc" loans are a sign of predatory lending
Did you receive two copies of a "Notice of Right to Cancel" at closing? IMPORTANT
Refinances only — if missing, you may have 3 years to cancel the entire loan
7
Current Status of Your Case Where things stand — urgent deadlines flagged here
▾
What stage is the foreclosure at? KEY
⚠️ This stage requires urgent action. Documents must be prepared and filed quickly. Complete this form right away and reply to this message immediately.
Do you have an upcoming court deadline? KEY
If yes — what is the deadline and what is it for?
Have you ever filed for bankruptcy?
Chapter 13 can immediately stop a foreclosure sale
Do you currently have an attorney?
What is your primary goal? KEY
8
Your Financial Picture Used only to calculate an affordable loan modification payment
▾
Monthly household income — all sources, after taxes
Current monthly mortgage payment
What monthly payment could you realistically afford?
Total monthly expenses (utilities, food, car, insurance, etc.)
Approximate total other debt (credit cards, car loans, etc.)
Anything else we should know?
Military service, disability, elderly household, other hardship details

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I understand this portal provides legal information only, not legal advice. I am submitting voluntarily to receive educational materials about my legal rights as a homeowner. I have been advised that free HUD housing counseling is available at 1-800-569-4287. I am representing myself (pro se) in any legal proceedings.
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