Families Fighting Foreclosure

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Families Fighting Foreclosure. United We Stand. Divided We Fall.

As soon as you are facing financial hardship and your home is in danger, please put together all documents listed below to bring to your first meeting. The sooner you begin working to save your home, the easier it will be for us to be helpful to you.

The process is emotionally draining and frustrating. But the steps are necessary.

When you have your papers together, please call for an appointment: 415.444.0915
Meetings are for families fighting foreclosure; PLEASE, no drop-ins or unannounced guests.

IMPORTANT: Do not pay anyone for their services, other than to fund a Forensic Audit (which will cost $300-$800). In California, is it now illegal to collect money to assist with loan modification.

Step-by-Step

Home Save Considerations: What is best for you and your family
Documents: You will need the documents listed on this link for ANY home-save program;
Find out who owns your home (and find out if you are in foreclosure):
1. from MERS:
2. or from the County of Marin Assessor-Recorder's office (this could prove to be very important for you and our recommendation is to check this site weekly);
Forensic Audit: We have learned that a Forensic Audit (a review of all of your original loan documents performed by a qualified professional) can turn the tide on how your lender treats you during the loan modification process. The audit will also aid in a decision to try for modification or take your lender to court (again, with a qualified professional).
Produce the Note
1. (Example of a brief forensic audit document is included.)
Service of Process
If you must go to court:
1. Code of Conduct for United States Judges. This form provides a checklist to identify potential conflicts of interest requiring recusal.
2. The Buddy System. What to expect. How to conduct yourself.
Lis Pendens
Officials to contact regarding issues with your lender;
Additional Steps You Can Take to Avoid Foreclosure.

Miscellaneous Forms and Information You May Need

Attorney Complaint Form: Sadly, we have found that some attorneys do not follow the letter of the law; in such cases, you have the right to file a complaint and the form is provided here.
Information and forms to file a complaint against a Judge.
California Courts Self-Help Center
United States Bankruptcy Court: Central District of California Self Service Center
(bankruptcy code, addresses, filing fees, rules, forms)
PACER: Public Access to Court Electronic Records

Stay Informed (Learn the Process)

Clicking on the bar to the right will take you to Quick Study Law guides for "How to Brief a Case," "Civil Procedure," "Evidence," "Professional Responsibility." Knowing as much as possible about legal procedures will stand you well throughout your life.