Byrnes O’Hern & Heugle is committed to defending clients threatened with or facing foreclosure. The events of the last several years have raised serious questions regarding bank conduct in originating, servicing and securitizing loans. Reports of robo-signing of documents, fraudulent practices and missing documents make regular headlines. For those facing foreclosure, these bank practices provide a factual basis for challenging foreclosure lawsuits.
As awareness of the questionable conduct by banks and other entities participating in the securitization of residential home mortgages has grown, our courts have begun to respond. Some cases suggest that banks that are unable to produce original loan documents or proof of ownership of a loan will have their foreclosure actions dismissed. For loans that were securitized, banks will face greater challenges proving that they have legal standing to sue. As judges become more educated on the complex processes that led to the financial collapse of 2008, their ability to question some of the more questionable practices grows.
If you are in foreclosure, near foreclosure, or have lost your house to foreclosure, we want to speak to you. You owe it to yourself to explore your legal remedies. We assist our clients in evaluating what defenses to foreclosure exist in each case. We rely upon experts who can complete detailed examinations of loan histories to determine whether proper procedures have been followed in the “chain of title” for your loan and mortgage. Ultimately, we help our clients negotiate with banks and servicers, relying upon expert reports and recent case law.
In short, we are here to help. The mortgage crisis in this country has exacted a heavy toll on consumers, pension funds, retirement accounts and all segments of our economy. We are committed to helping our clients fight back and reverse the tide of financial hardship.