HAMP Program

HAMP and HARP: How Long Will These Programs Continue?

The Home Affordable Modification Program (HAMP) is set to expire in December of 2016, after being extended by the federal government several times over the past few years to allow homeowners who were affected by the Great Recession to modify their home loans. To date, the program has helped over 1.8 million families keep their…

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foreclosure complaint

Served with a South Carolina Foreclosure Lawsuit?

If you have been served with any legal documents about your mortgage, you need to speak with a foreclosure defense attorney immediately. Regardless of what the lender–or your friend–tells you, you need to speak with an attorney who can help you determine what you need to do to protect your legal rights. Once you are…

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foreclosure in south carolina

Wells Fargo Foreclosure Document Manual Discovered in Litigation

New York attorney, Linda Tirelli, discovered a 150 page manual allegedly produced by Wells Fargo and distributed to its employees and attorneys. In the manual, Wells Fargo instructs its employees and agents how to produce documents to complete the chain of title in foreclosure cases. Ms. Tirelli submitted the manual to the U.S. District Court…

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mortgage foreclosure

Saving Money While Your Foreclosure Case is Pending

Written by South Carolina Foreclosure Defense Attorney, Kristina G. Pierce You need to save money during the foreclosure process.  It may seem like common sense, but in my practice, I have had to deal with this issue numerous times. Typically when you are in foreclosure, you are not making your monthly mortgage payment.  This is…

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foreclosure help

South Carolina’s Hardest Hit Funds (Part 2)

Written by South Carolina Foreclosure Defense Attorney Kristina Pierce Now that we have discussed how to apply for SC Help, let’s discuss the practical application and some of the pitfalls. SC Help sounds great in theory, but practically I have seen two hiccups in the approval process. First, let’s discuss the application. If the hardship…

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foreclosure help

South Carolina’s Hardest Hit Funds (Part 1)

In this first post about SC Help, I am going to discuss how the program works. Stay tuned for my next post, which will be about the practical application and some pitfalls of the program. First, let me say that if you are behind on your mortgage payments or have experienced any of the hardships…

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tenants moving after foreclosure

Tenants Rights in Foreclosure

Written by South Carolina Foreclosure Defense Attorney Kristina G. Pierce The Protecting Tenants at Foreclosure Act (“PTFA”), which is in effect from May 2009 through December 31, 2014 (thanks to the Dodd Frank Act), protects tenants living in homes that are facing foreclosure in South Carolina and throughout the U.S.  The PTFA applies to any…

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