Foreclosure

questions & answers

Question:

I need advise and assistance. Have been working with ***Mortgage Servicer*** since 10/2011 to obtain a HAMP 1.0 Tier modification. I have filed for Chapter 11 protection in 4/12 to stop the foreclosure process and continue to work unsuccessfully with Mortgage Servicer. They have made my life so unbelievably stressful with their constant requests for duplicate information provided and 2 denials of the request based on incorrect information that I am spending hours proving their errors. Need assistance to further clarify the settlement terms of the AZ AG's office case and what can be done to help me obtain the HAMP

(This question was edited by the site administrator to redact the proper name of an individual or business)

 

Answer:

There may be servicing issues/violations that an attorney skilled in foreclosure matters can evaluate when looking at the details of the case.  Legal aid agencies in Arizona are performing work that is funded by the settlement.  Any individual facing a mortgage/foreclosure related issue should consult with a local legal aid agency and possibly a housing counselor to assist with modification applications. 

Under normal circumstances, it would be easier to apply for services through legal aid by using the Access To Justice Online Application System (link also available under the LegalLEARN section of AZLawHelp) which would route an application to the appropriate agency.   However, with the dates being so close, it may be more prudent to go into a local office an apply for service, and notify the intake staff that there is an urgent foreclosure matter in the next few days.  The legal aid agencies in Arizona are "Community Legal Services", "Southern Arizona Legal Aid", and "DNA Legal Services."  All three agencies serve different areas, to locate the one in your area you may use the drop down option under "Find Free Legal Help" on the right vertical tool bar of AZLawHelp.org.

Information on finding a housing counselor may be obtained on the AZ Attorney General's website : https://www.azag.gov/azmortgageresource/map

The Arizona Attorney General's Office also has a site dedicated to helping with finding mortgage related resources: http://www.azmortgageresource.gov/