foreclosure help

Cash for Keys

Written by Charleston Foreclosure Defense Attorney, Kristen G. Pierce “Cash for keys” may be a good result for some homeowners facing foreclosure. Cash for keys is exactly what it sounds like–the lender gives the homeowner cash in exchange for the keys to the home. As with many other areas of law, we need to keep…

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South Carolina Foreclosure Law: The Complaint

Written by Russell A. DeMott Charleston Foreclosure Defense Lawyer, Russell A. DeMott You’re served with a South Carolina foreclosure complaint.  Then what? It’s not a letter! After practicing law for almost 18 years now, I see patterns develop. One common thing (of many) I hear from clients is, “I got this letter…”  And it’s almost…

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Mortgage Modification, Foreclosure, Intervention… What?

Written by Charleston Foreclosure Defense Attorney, Kristina G. Pierce If you have applied for a mortgage modification and are considering retaining counsel for either modification or foreclosure defense assistance, read on. First, I want to mention a practical matter:  Even if a homeowner hires an attorney, the lender will inevitably contact the homeowner directly, even…

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Your Family Can Recover From A Home Foreclosure

The foreclosure fiasco has left many Americans who always paid their debts in a position where the house payment has become unmanageable by no fault of their own. Of course you know that because you have experienced or heard about mortgage payments sharply increasing with many ARMS–adjustable rate mortgages. There is life after foreclosure, but…

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Foreclosure Alternatives: HARP, Part Two

Written by Charleston Foreclosure Defense Lawyer, Kristina G. Pierce If after reading HARP, Part One, you are interested in applying for a refinance of your loan through HARP, you may have some more questions.  Below are the answers to some frequently asked questions, which I hope will give you some of the tools to decide…

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HARP refinance

Foreclosure Alternatives: HARP, Part One

Written by Charleston Foreclosure Defense Lawyer, Kristina G. Pierce Are you under water or upside down on your mortgage and want to keep your home? If your home is in a state of negative or near negative equity (you owe more than it’s worth), you might consider applying for the Home Affordable Refinance Program, also…

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Mortgage Modification: Is it worth it?

Written by Charleston Foreclosure Defense Lawyer, Graves H. Wilson, Jr. Having examined quite a few loan modification offers, I have mixed feelings about recommending that my clients accept a mortgage modification.  Obviously, if the modification lowers the monthly payment to an amount that the homeowner can afford, it can be an immense financial and emotional…

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The National Mortgage Settlement (Or “Don’t Get Too Excited!”)

Written by Charleston Foreclosure Defense Lawyer, Graves H. Wilson, Jr. There is nothing light or humorous about the mortgage foreclosure fiasco or the so called “National Mortgage Settlement.”  The settlement documents have now been published.  And it’s another sad story. Fifty states and the District of Columbia took part in the settlement process.  Forty-nine states…

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