Forghany & Associates

FREE FORECLOSURE DEFENSE CONSULTATION

In these tough economic times, many are facing financial hardship. If you are having trouble putting food on the table, paying your utilities, and other necessary expenses, then you may need help, NOW. Forghany Law, P.C. will assess your situation and determine the best course of action for you and your family.

*** If you stop paying your mortgage, you must know that this can accelerate your foreclosure process and you may lose your home, and it will lower your credit rating. ***

Do you have a Forclosure /Sale Date?
It the bank taking action against you?
Lender collection calls or letters?
Has the lender told you they are moving towards forclosure?
24/7 Client access to online account

We Work For YOU!

Do you have an auction / foreclosure / sale date?
Is your home posted in your local news paper?
Are you worried about how much time you have in your home?
Are you concerned about what's coming next?
The experienced Attorney's at Forghany Law, P.C., can analyze your case to determine the best course of action, and get you the help you need right away.

TIME IS OF THE ESSENCE! Call Forghany Law, P.C. NOW 978-415-9908.

Litigation/Mediation

Judicial States- Depending on your state you may be entitled to Mediation. Mediation entails a workout with the lender. The goal of mediation is to get the home owners loan restructured. The home owner arrives represented by an Attorney from Forghany Law; The bank's Attorney is also present and a trained mediator facilitates a "work-out" conversation. We fight for you in this forum to get your loan restructured. If you are in a judicial state, your case is now part of the Court Docket. There is a Judge that is assigned and will be overseeing you case. There are several tools we can use to fight for your rights in the judicial process. Click on Read More to find out the details. If your state does not participate in court mediation, then some of your potential options is to formulate a workout with your lender, initiate litigation against the bank, or file for Bankruptcy to stall a foreclosure.

There are many programs out there that you may qualify for, HAMP, HARP, Unemployment program modification, 2nd mortgage modification, etc.

It is VERY important that you update our office each and EVERY time you receive
Any lender related, legal documents, or checklist items.

Below are some legal tools in which we utilize in the process.

FORENSIC AUDIT
While your loan is in review for the Modification process, we use a 3rd Party company to
review your mortgage closing documents. Those are documents you signed when you first purchased your home. To perform the audit we need at least the HUD, Note, and Truth and Lending Disclosures, but it is better if we have all the closing documents for the audit. Once the audit review comes back, we may use any revealed violations against the Bank. We can use these violations in the negotiation process of restructuring your loan.

The Forensic Audit tests over 300+ Federal, State, and Local laws. The Certified Auditors manually review your loan to reverse engineer the underwriting and origination process discovering any violations related to:

Constructive Fraud

Misrepresentation

Breach of Fiduciary Duties

Predatory Lending

Prohibited fees

Broker Scams

Mortgage Fraud and Lender Abuse

**NOTE** If you do not have your mortgage closing documents we can request them from the Bank. There is no guarantee the lender will furnish these documents however.

TITLE COMPLIANCE AUDIT

Discover whether your Lender or Servicer ignored Federal, State, and Local Laws including TILA, RESPA, and HOEPA, as well as GSE guidelines.
Completed in 5 to 7 days, your Title Compliance Audit presents various findings and implications of relevant material facts which cover:

(Parcel) Specific Title Search

Copies of Relevant Public Records

Essential Property Details

Transfer and Assignment Analysis

Chain of Title Evolution

Audit Specific Glossary

QWR/ RESPA LETTER
Once the forensic audit is completed, we will provide a qualified written request to the lender which is authorized by the real estate settlement procedures act, 12 U.S. C. Section 2605 (e) and Regulation X 24 C.F. R. 3500 and The Gramm Leach Bliley Act which asks for all verification of the mortgage with relevance directly from the forensic audit results.

TILA DISCOVERY NOTICE

We may also send out a demand letter which is authorized by the Truth in Lending Act for verification of proof of claim which requests verification of the rightful holder of the
promissory note. This will help prepare us for the next step.

Copyright (c) 2010. All rights reserved. Forghany Law

The following is the legal and privacy policy of Forghany and Associates, hereinafter referred to as The Firm Legal Disclaimer
Unless otherwise indicated, our Massachusetts Attorneys are Not Certified by the Commonwealth of Massachusetts Board of Legal Specialization in the areas of practice listed on their profiles.

Attorney Client Relationship
The materials on this web site are intended for informational purposes only. The materials on this Web site are not intended to be, nor should they be interpreted as, legal advice or opinion. The reader should not consider this information to be an invitation to an attorney client relationship, should not rely on information presented here for any purpose, and should always seek the legal advice of counsel in the appropriate jurisdiction. Transmission and receipt of the information in this site and/or communication with the Firm via e-mail is not intended to solicit or create, and does not create, an attorney-client relationship between the Firm and any person or entity.

Transmission of Information
Electronic mail or other communications through this site or otherwise to the Firm or any of its lawyers in connection with a matter for which we do not already represent you may not be treated as privileged or confidential. If you choose to contact us through this Web site, you should be aware that any information transmitted electronically may not be secure.

Legal Warranty
The content of this web site contains general information and may not reflect current legal developments. Such content is designed only to give general information on the developments actually covered. It is not intended to be a comprehensive summary of recent developments in the law, treat exhaustively the subjects covered, provide legal advice or render a legal opinion. Since the law is constantly changing and since the law will vary based on different facts and circumstances, statements on this Web site regarding the status of a given law or legal issue may not be current or applicable to your particular situation. You should not take any action based on the information in this Web site.

Bar Membership
Although this Web site may be viewed from any of the 50 United States of America and territories, as well as any country, the Firm primarily practices in the State of Commonwealth of Massachusetts. Lawyers named in the web site may not be authorized to practice law except in jurisdictions where the Firm maintains offices.

Links
This web site occasionally contains links to other web pages; however, the inclusion of such links does not constitute referrals or endorsements of the linked entities. Links to organizations and governmental agencies are provided as a convenience to our readers. The Firm does not endorse and is not responsible for any third-party content that may be accessed from its Web site and does not recommend or endorse the use of any third-party's services. The links are to be accessed at the user's own risk, and the authors of this web site make no representations or warranties about the content of these links.

Liability
The Firm assumes no responsibility for computer viruses resulting from use of our Web site. Under no circumstances, including, but not limited to, negligence, shall the Firm be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this web site, even if the Firm has been advised of the possibility of such damages.

Indemnification
You agree to indemnify, defend and hold harmless the Firm and its members, managers, officers, employees, agents and the assigns of same, from and against any and all loss, costs, expenses (including reasonable attorneys' fees and expenses), claims, damages and liabilities related to or associated with your use of the web site and any violation of these Terms and Conditions by you.

Jurisdiction
By accessing this Web site, you agree that any disputes or matters arising out of or related to your viewing or use of this Web site shall be governed under the laws of the State of Commonwealth of Massachusetts without regard to the conflict of laws.

Changes
The Firm may change these policies at any time without written notice to users. The changes will become effective upon posting of the changes to the web site.

Last Update
These Terms and Conditions were last updated on August 8, 2009.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code

The following is the legal and privacy policy of Forghany and Associates, hereinafter referred to as The Firm Legal Disclaimer
Unless otherwise indicated, our Massachusetts Attorneys are Not Certified by the Commonwealth of Massachusetts Board of Legal Specialization in the areas of practice listed on their profiles.

Attorney Client Relationship
The materials on this web site are intended for informational purposes only. The materials on this Web site are not intended to be, nor should they be interpreted as, legal advice or opinion. The reader should not consider this information to be an invitation to an attorney client relationship, should not rely on information presented here for any purpose, and should always seek the legal advice of counsel in the appropriate jurisdiction. Transmission and receipt of the information in this site and/or communication with the Firm via e-mail is not intended to solicit or create, and does not create, an attorney-client relationship between the Firm and any person or entity.

Transmission of Information
Electronic mail or other communications through this site or otherwise to the Firm or any of its lawyers in connection with a matter for which we do not already represent you may not be treated as privileged or confidential. If you choose to contact us through this Web site, you should be aware that any information transmitted electronically may not be secure.

Legal Warranty
The content of this web site contains general information and may not reflect current legal developments. Such content is designed only to give general information on the developments actually covered. It is not intended to be a comprehensive summary of recent developments in the law, treat exhaustively the subjects covered, provide legal advice or render a legal opinion. Since the law is constantly changing and since the law will vary based on different facts and circumstances, statements on this Web site regarding the status of a given law or legal issue may not be current or applicable to your particular situation. You should not take any action based on the information in this Web site.

Bar Membership
Although this Web site may be viewed from any of the 50 United States of America and territories, as well as any country, the Firm primarily practices in the State of Commonwealth of Massachusetts. Lawyers named in the web site may not be authorized to practice law except in jurisdictions where the Firm maintains offices.

Links
This web site occasionally contains links to other web pages; however, the inclusion of such links does not constitute referrals or endorsements of the linked entities. Links to organizations and governmental agencies are provided as a convenience to our readers. The Firm does not endorse and is not responsible for any third-party content that may be accessed from its Web site and does not recommend or endorse the use of any third-party's services. The links are to be accessed at the user's own risk, and the authors of this web site make no representations or warranties about the content of these links.

Liability
The Firm assumes no responsibility for computer viruses resulting from use of our Web site. Under no circumstances, including, but not limited to, negligence, shall the Firm be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this web site, even if the Firm has been advised of the possibility of such damages.

Indemnification
You agree to indemnify, defend and hold harmless the Firm and its members, managers, officers, employees, agents and the assigns of same, from and against any and all loss, costs, expenses (including reasonable attorneys' fees and expenses), claims, damages and liabilities related to or associated with your use of the web site and any violation of these Terms and Conditions by you.

Jurisdiction
By accessing this Web site, you agree that any disputes or matters arising out of or related to your viewing or use of this Web site shall be governed under the laws of the State of Commonwealth of Massachusetts without regard to the conflict of laws.

Changes
The Firm may change these policies at any time without written notice to users. The changes will become effective upon posting of the changes to the web site.

Last Update
These Terms and Conditions were last updated on August 8, 2009.

PRIVACY POLICY