* FLORIDA MORTGAGE & FORECLOSURE LITIGATION DEFENSE ATTORNEY
* MORTGAGE BORROWER’S RIGHTS LITIGATION ATTORNEY
Attorney Margery Golant has widely recognized expertise in mortgage and foreclosure law. She has won numerous awards and knows how to help you. We provide real strategic mortgage help and Florida foreclosure defense to assist you in saving your home and have successfully saved hundreds of homes for clients in South Florida.
BORROWERS RIGHTS & FORECLOSURE LITIGATION
IN THE ERA OF COVID-19
Oftentimes, due to circumstances beyond one's control, a borrower will fall behind on his/her mortgage payments. Due to the COVID-19 pandemic, many borrowers have temporarily or permanently lost income and are unable to make their mortgage payments. Florida’s management of unemployment claims is the worst in the U.S., greatly increasing borrowers’ financial difficulties. Many borrowers are attempting to turn to their mortgage companies to ask about forbearance, loan modification, or loss mitigation.
Many borrowers have contacted their mortgage company asking the company to “work with” them. However, as is often the case, mortgage companies give borrowers incorrect, incomplete or misleading information.
Borrowers often feel they are at the mercy of their mortgage company, and as recent history has shown, mortgage companies can be quite merciless. But things are not as they appear, and in most cases, the company that receives your mortgage payment does not actually own your mortgage loan. In an increasing number of cases, that company is not even a bank. Instead, these companies are “mortgage servicers” – third party contractors that manage mortgage loans much the same way a property manager manages an apartment complex. Unlike the investors they work for, mortgage servicers have little incentive to avoid foreclosures.
It happens more frequently than most would expect – and far too often. Banks and mortgage servicers can, and do, regularly make serious mistakes when handling customers’ accounts. When the borrower asks the bank or mortgage servicer to correct these mistakes, they are given the runaround by an inflexible and non-responsive bureaucracy. Often, frustrated borrowers give up and pay money they do not owe simply to protect their home.
In some cases, the borrower cannot afford to pay or refuses to give in. This can result in a foreclosure lawsuit against the borrower placing them at great risk of losing their home simply because their mortgage company mishandled their payments. Even worse, there is growing evidence that these errors may not be accidents. Mortgage servicers are frequently able to profit from mishandling borrowers’ accounts. Interestingly, the mortgage companies’ “mistakes” rarely benefit the borrower, almost always favoring the bank or mortgage servicer.
If you believe your mortgage company has taken incorrect action regarding your loan and/or has added improper charges to your account, you may be right. Please CONTACT US TODAY to schedule a free consultation.
If you are in South Florida, behind on your mortgage, at risk for a mortgage foreclosure or you are currently the subject of foreclosure, we offer cost effective representation that can help you to leverage the laws, make sure your rights are respected and help you achieve a reasonable result.
There are so many rumors and so much misinformation floating around that it is impossible for consumers to have a clear picture of what is going on and where they fit in, making it impossible to make good decisions without accurate information. When your appointment is over, you will have the tools to make sensible decisions for you and your family.
If you are disgusted and do not know what to do next or where to turn, we can help. We will analyze your situation and tell you what alternatives we see. We will answer any questions you have and when the appointment is over, you will clearly understand the landscape and will clearly understand your options. Once you are armed with the real facts, our objective is to work with you to find a way to achieve YOUR PREFERRED SOLUTION.
Most of our clients want more than just to stall, and we can help them get more. If your goal is to SAVE YOUR HOME, we work to find a SOLUTION based on the particular facts and issues of your case geared to find you the leverage you need to assist in saving your home. A short sale or deed in lieu of foreclosure do just the opposite – they help you to LOSE your home. And, the way things work today, you could STILL have a deficiency judgment exposure. So, a short sale or deed in lieu of foreclosure do not get you any closer to a solution unless properly negotiated so that at least the risk of deficiency is gone.
WORK WITH A MORTGAGE PROBLEM NINJA!
Attorney Golant is a Consumer Advocate. She has saved hundreds of homes, has spent many years and has been involved in many matters focused on consumer financial services issues. Her highly specialized background and experience enables her to help you with your mortgage and/or foreclosure problem. Her objective is to find an AFFORDABLE way to utilize her knowledge of the law and of the mortgage industry to help you. We go out of our way to make our services available and affordable to offer you ALTERNATIVES AND SOLUTIONS you never dreamed existed.
Because of Attorney Golant's extensive background in financial services law, she is able to thoroughly analyze your loan and your situation to legitimately plan a customized defense strategy that fits your goals, whether you are still struggling to make your mortgage payments or you have become unable to pay. In addition to her hands’ on work for borrowers in the mortgage industry, Attorney Golant has been called upon to testify as an expert in mortgage litigation and has been invited to teach other attorneys and law professors.
TIME IS OF THE ESSENCE! You MUST act quickly to protect your rights, or it can be too late before you realize it. Many people needing help with this situation do nothing because they think they can't afford help, and often the lenders and servicers encourage you to think they are "working with you" and that everything will be alright. However, while they are talking to you, they are moving your loan down the track to foreclosure. Once the case is over, you lose your ability to negotiate or defend yourself.
Do not fall into that trap! Once a foreclosure case is filed, it is URGENT that you contact us immediately and ask about foreclosure defense and mortgage assistance.
There is no fee for an initial consultation, so there is no cost to contact us to discuss how we can help you save your home. You owe it to yourself to find out.
We have locations in Broward and Palm Beach Counties and are also equipped to help homeowners throughout the state of Florida remotely via Zoom, teleconference, email, and telephone.
With locations in Coral Springs, Coconut Creek, and Boca Raton, the law firm of Margery E. Golant, P.A. serves Southeast Florida including the communities of Boca Raton, Boynton Beach, Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Delray Beach, Fort Lauderdale, Fort Pierce, Greenacres, Hallandale, Hollywood, Jupiter, Lake Worth, Lauderdale Lakes, Lauderhill, Margate, North Lauderdale, North Palm Beach, Palm Beach, Palm Beach Gardens, Oakland Park, Pembroke Pines, Plantation, Port St. Lucie, Riviera Beach, Southwest Ranches, Stuart, Sunrise, Tamarac, Vero Beach, Weston and Wilton Manors.
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