The honest truth to that question is that it depends on what the issue is and where the person is at in the foreclosure process of if it is just that they are behind in their payments. If no notice of default has been recorded and if you are trying to secure a loan modification but your lender will not even send you the papers then perhaps my letter might get the documents from the Bank or Lender for you to proceed to try to modify your loan on your own.
Now the problem with all if this is that I get many calls and email from people where “time is of the essence” and they really need to retain someone right away to look at their loan documents and then to file suit and seek restraining orders and an injunction to stop the foreclosure and indeed in some cases to defend against an unlawful detainer action brought by the bank because the property was already foreclosed on. MY LETTER WILL NOT WORK IN SUCH A CASE! I am part of a wonderful group of lawyers and might be able to refer you to someone to help you but I will need to know what area you live in. I would then put it out to the groups memebers to see if anyone is available in your area but you will have to pay them a retainer fee that you will have to work out with them. I would not be part of this process.
Since the foreclosue problems there are all kinds of Scam artists coming out of the woodwork and I can only say that I highly recommend that you contact a lawyer to file your actions if you are serious about trying to save your home. The Banks are not working very well with people to do loan modifications and even some are completely ignoring HAMP and so it is vitally important that you retain a lawyer to file your actions and try to save your home. Please do not fall for people and scams where they say they are going to do loan audits and you pay them up front etc. You need a lawyer who will perform such and audit or provide that as part of his/her services but all of this costs money. The lawyers that I know are barely keeping their heads above water and are fighting like crazy in the courts for you but it seems our Judges do not understand and accept many of the theories being advanced to help people having these foreclosure problems but slowly many of them are starting to come around. The wins by these brave lawyers in the trenches fighting against the banks and the bank’s lawyers are starting to accumulate. I will be happy to try to find someone in your particular area but I can not gurarantee it. I will take your name and phone number and if you email me the facts I will throw this out to the group to see if anyone in your area can take on another case but please remember that these lawyers have families and bills to pay also and so there will be fees involved. You will have to discuss that with them individually. Please feel free to email me and I will put it out thee
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