How to End Foreclosure & Get a Loan Modification That You Love

WITHOUT HIRING AN ATTORNEY

I want to show you how to save your home from foreclosure and get a loan modification you love. Plus, you won’t have to spend a dime on a lawyer!

Hi, I am attorney Troy Doucet and I have been fighting banks in court for over a decade. My fight has taught me a lot about the bank’s pressure points. I leverage those pressure points to get great deals for my clients. Now I want to show you how to use them to put an end to your foreclosure, plus get a deal you absolutely love!

My law firm stopped foreclosure plus obtained a loan modification lowering one client's interest rate from 11.615% to 2.5% stepped to 4.5% over 6 years.  The monthly principal and interest payments were reduced from $2,297.97 to $757.48.  Our client saved over $400,000 in interest payments!

My law firm stopped foreclosure plus obtained a loan modification lowering another client's interest rate from 7.25% to 2.00% Fixed.  Their monthly principal and interest payments were reduced from $1,790.71 to $594.60. Our client saved nearly $300,000 in interest payments!

My law firm stopped foreclosure plus obtained a loan modification lowering another client's interest rate from 7.40% to 3.126% Fixed.  Their monthly principal and interest payments were reduced from $1,447.07 to $834.85.  Our client saved over $150,000 in interest payments!

We stopped foreclosure and reduced one client's mortgage payoff by $55,000 so they could payoff the loan at a reduced cost early.  We have obtained several of these reduced payoffs when our clients have the means to pay off the loan early.  One client received an inheritance enabling us to secure a $270,000 reduction.

We stopped one threatened foreclosure with the mortgage company paying our client $118,000 in damages and attorneys' fees.  We have obtained multiple free houses with cash payments for clients facing foreclosure, including a free house and a $300,000 cash payment.

We got a deal that allowed our client to exit on her own terms, including a deficiency waiver.  That allows you to walk away from a property without further liability to the mortgage company.  

We’ve forced several banks to proffer judgment publicly and pay damages.   In one case of ours, Chase executed a judgment against itself on the record and paid $93,493.56 in damages.

Removing a past-due loan from a credit report boosts your scores immediately.  Mortgage companies cannot report information inaccurately, but they can decide not to report it at all

My law firm has helped over 1,400 people in over 2,000 legal matters.

We’ve won and established case law for dozens of clients.  One of our federal appeal wins has been cited over 350 times by courts, lawyers, and legal publications (Marais v. Chase).

AS FEATURED IN:

LIFE HAPPENS TO ALL OF US

Foreclosure Is Not Your Fault

If you are a homeowner who has fallen on hard times, you are in the right place. If you need help stopping foreclosure, read further. If you want a loan modification too, then please let me show you how.

You may be in a similar situation as many homeowners who are stressed and anxious about losing their home to foreclosure. You don’t want to move, change school districts, or face the credit damage of foreclosure. You also don’t want the embarrassment of their neighbors seeing the mortgage company’s “For Sale” sign when it goes up in the yard.

You need to know that foreclosure isn’t your fault. Foreclosure is the result of things outside your control. These things include job loss, injury, unexpected expenses, and Covid-19. There are currently millions of Americans who are struggling to catch up with bills. Like you, they just need a little help with their mortgage.

I know that you are not asking the world of your mortgage company. If you are like my clients, you just want someone at the mortgage company to care. You might need a small exception to a policy, or for your mortgage company to simply listen.

Unfortunately, the banks just don’t care. They won’t listen. They don’t have the staff and clearly are not willing to help.

You are probably now realizing that you need to do something different. You can’t rely on your mortgage company to save your house. You can’t wait around to see if your mortgage company comes through in the end because then it could be too late.

Ed and Joanne Steverding

MEET THE STEVERDINGS

The Great Recession happened to our clients, Ed and Joanne Steverding. Ed lost his job and fell behind on his mortgage, but wasn’t looking for a handout. He just needed a little help to get back on track. Unfortunately, his mortgage company did not offer any help. Then a “loan modification company” took their money and ran. Ed and Joanne are upstanding, good, honest people. They are just like most homeowners who find themselves facing foreclosure. They just needed someone to care and a little help.

We helped Ed and Joanne get a deal that drastically lowered their payments. I'll share with you the tools we used to get them a great deal that saved their home from foreclosure. They can now enjoy their retirement years in the family home.

If you are reading this now, you are probably a lot like Ed and Joanne. You want to get back on track and avoid losing your home, but

Let Me Tell You a Secret:

Even if your mortgage company has refused to help, the process is not over yet! You can still save your home from foreclosure and get a loan modification you love! The secret to getting a deal done is making the mortgage company’s life a living hell in court. We have consistently found that Mr. and Mrs. Nice-Guy doesn’t work when it comes to getting in between banks and their money. It takes pressure to make good deals happen, and that means getting into court now.

Since the carrot hasn’t worked, it is time to bring in the stick. That means forcing the mortgage company to the table. It means people with actual authority show up to do a deal. That helps you save your home. That happens when you file a lawsuit. You might even find that you get an amazing deal even though your mortgage previously denied you for a loan modification. I’ve gotten great deals for my clients time and time again just like this. We get a deal done after we get involved in a lawsuit, even if my client was previously denied.

The problem is that hiring a lawyer to get into court is expensive. Until now, there hasn't been an experienced foreclosure lawyer willing to share their strategies, methods, tips, and tricks with the public. There hasn’t been a resource so homeowners like you can stop foreclosure on your own. There simply hasn’t been anything that teaches homeowners how to defend foreclosure. That has made it hard to bring the fight to the mortgage companies in court. At least without the expensive of hiring an attorney.

The good news is now there is a resource for you! I want to share with you my strategies, methods, tips, and tricks with you. Plus, I want to give you the tools and resources you need to fight the mortgage company to stop foreclosure. I want to show you how to get a deal you love, all without the cost of hiring someone like me.

 

I KNOW WHAT YOU ARE GOING THROUGH BECAUSE...

I've Been in Your Shoes

Troy DoucetBefore I became a lawyer, I owned a mortgage company in the early 2000’s. We did good work for people and stayed away from sub-prime mortgages. Unfortunately, however, the business collapsed in 2005 and I ended up in foreclosure myself. It was a difficult time for me and my family, as my business’s collapse ultimately forced me into bankruptcy. My marriage ended in divorce shortly thereafter.

During that time, I knew I had to do something different. I fought my own foreclosure for several years, and because I knew where the bodies were buried from owning a mortgage company, I started helping lawyers understand mortgage law and how to defend foreclosure. I went back to school to finish my undergraduate degree at The Ohio State University, and then graduated law school magna cum laude at Capital University Law School.

I really enjoyed law school, and focused my coursework on litigation and consumer protection. I knew those courses would help me as a lawyer help others once I got into practice. I also volunteered at Legal Aid during that time, helping with their foreclosure division. I spent several hundred hours there during my last two years in school. I also continued to help lawyers nationally understand foreclosure defense.

I published my first book, 23 Legal Defenses to Foreclosure: How to Beat the Bank in 2008. My law firm partner and I just updated that book, which is now called 27 Legal Defenses to Foreclosure: How to Beat the Bank in Any State. My other book, The Art of War for Lawyers analogizes Sun Tzu’s manual to litigation.

Since graduating law school in 2010, my law firm has focused on helping people facing foreclosure. We do some business work (never against consumers) and some other litigation, but 80% or more of our practice is focused on foreclosure. I’m proud that my law firm has helped over 1,400 people in over 2,000 legal matters. I like to think we built a strong reputation in the industry as being good at foreclosure defense, which is a reason why we can continue to get good deals for our clients.supreme court ohio license troy doucet

I don’t want to come off as bragging, but I’ve created and extended caselaw that is favorable to consumers at the appellate level in multiple cases. One of my bigger mortgage-related cases decided by the federal court of appeals has been cited over 350 times by other courts, lawyers, and publications (Marais v. Chase). I maintain the highest rating with MartindaleHubbell (AV Preeminent) and am a SuperLawyer in the area of debtor/creditor law. I’m also proud of winning an award for my firm’s pro bono service.

Today, I’m focused on sharing my knowledge and understanding of the foreclosure process with others like you. I know that there is a tremendous need by homeowners across the country for reliable information about foreclosure defense. I also know that there aren’t good resources that teach homeowners the entire process from start to finish. When I looked around and didn’t find a single attorney-homeowner course on foreclosure defense, I knew I could offer a kick-ass program that would cover all the bases.

My mission is to get my foreclosure course in front of as many homeowners as possible. I know that if more people have access to great foreclosure material, we can stop a lot more foreclosures and help a lot more people get loan modifications that they love!

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Rated a SuperLawyer in Debtor/Creditor Law

Getting into Court = Deal Done

Hands down, filing a lawsuit (or defending a foreclosure lawsuit) gets my law firm better deals for our clients every time. This includes loan modifications from mortgage companies that previously denied our clients. When the mortgage company isn’t willing to listen or help, we go directly into court. There simply isn’t any comparison. The deals are so much better, that I rarely talk to customer service representatives at the mortgage companies. It’s not worth the time.

Think about it. When you call your mortgage company and you talk to a low-level customer service representative (CSR). What kind of authority do you think they have? Would you expect them to be able to override policy and do a deal? What about if the deal would otherwise violate some arbitrary guidelines? No! They simply are not given the power or the authority to do much more than answer simple questions. They might not even be able to accurately describe why you are being denied.

Now compare calling a low-level CSR to the leverage that a lawsuit generates.

A lawsuit immediately changes the dynamics and creates huge leverage for you. All of a sudden, the mortgage company is on the defense. It has a risk of loss. It has to pay its lawyer lots of money. It has the publicity, distraction, and risk associated with losing in court. It also has to deal with a gummed-up and costly foreclosure process.

All these things mean that all of a sudden you are taken much, much more seriously! Leverage means a likelihood that the mortgage company will override any internal loan modification policy so it can settle the lawsuit. That stops the foreclosure and gets you the loan modification you love.
I’ve seen it work over and over, which is why we aggressively pursue foreclosure defense for our clients. In fact, we are so known for making the mortgage company’s lives miserable, that here is an actual quote that a bank’s lawyer told his client about our law firm:

"Based on the opposing counsel firm, this matter will become litigated and [it] will require extensive fees to prosecute the foreclosure and defend the counterclaim."

When the mortgage company knows you are going to cost it lots of money in court, what do you think is likely to happen? They will probably want to limit their costs and limit the risk they face through the lawsuit, even if that means giving you a better deal or overriding a silly policy that prevented an early deal from happening. This is what you want the mortgage company to think about you and your lawsuit. The mortgage company needs to think that fighting you is going to be very expensive and doing a deal will save it money.

You want the mortgage company to think giving you a loan modification will be cheaper than fighting you. That will significantly increase your odds of stopping foreclosure and getting a loan modification that you love.

You tried working with them and tried to get a deal done on your own. That didn’t work, so it’s time to do something new. The new way of tackling foreclosure for you is to get the mortgage company in court. Getting into court is the most critical step to getting your mortgage company to do something it wasn’t otherwise willing to do.

A common misconception is that being extra nice to the mortgage company’s representatives will get you a deal. Sometimes people will even admit to default in a letter to the judge, pleading for mercy. Don’t do this! It does not work! Admitting default actually makes the foreclosure faster and easier for the mortgage company. We’ve seen people try it and it failed every time. You have to make the mortgage company work for every inch of ground – to challenge its conduct at every step. That first requires you get in court. You have to be inside the legal system for a solid shot at stopping foreclosure and getting a loan modification that was previously denied.

You have two options to get into Court:

  1. File a Lawsuit.
  2. Defend the Foreclosure Lawsuit.

Option 1: File a Lawsuit

The Lawsuit (Complaint)

Filing a lawsuit might seem scary if you’ve never done it before, but it shouldn’t be.  Think of the bad lawyers that slap some words onto a lawsuit and sue for $1 billion for wrinkled pants from the dry cleaners.  Those kinds of lawsuits make the legal profession look bad, but I’m mentioning it to give you more confidence in filing your own lawsuit against the mortgage company.  This doesn’t mean that you should sue your mortgage company for $1 billion!  It just means that you shouldn’t be afraid to assert your rights in court.  That is what the courts are there for - to hear legal disputes.

A lawsuit is brought by filing a “Complaint,” which is simply a document that outlines your beef with the other side.  It contains facts about your situation and some law with a demand at the end.  As to the facts, this is the stuff you already know.  It’s what you’ve been living.  The Complaint is where you write down all those facts in a chronological format. 

Option 2: Defend a Lawsuit

The Answer

The answer is exactly what it appears to be – your answer to the allegations made in the foreclosure lawsuit. The lender is the “plaintiff” and the borrower is the “defendant” when the lender files a foreclosure lawsuit against the borrower. The answer contains three sections: answers to the allegations, defenses, and affirmative defenses.

You can use this option if you live in a judicial sale state: Connecticut, Delaware, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Nebraska, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Vermont, and Wisconsin.

Defending a foreclosure lawsuit is a bit easier for you than filing one. You won’t have the burden of proof, so you can sit back and just poke holes in the mortgage company’s story. You can raise all kinds of defenses and affirmative defenses (see our list of 63 below).

 

Once you are in court, the next step is to fight the case by beginning “Discovery.”

The most time-consuming part of any lawsuit for the mortgage company is the discovery phase, where each side exchanges information.  “Discovery” lets you ask for all kinds of documents from the mortgage company. The more you ask, the more time and cost for the mortgage company to respond, and the more risk that the mortgage company produces something that you can use against it to win.

Discovery can be a real pain for the mortgage company because it has to look at so many systems for information. It needs to produce your loan documents, all the notes on your file, a full accounting of the loan, plus audio recordings of every call you had if those exist. The process is relatively easy for you because you just have to put your requests on paper. The mortgage company has to work a whole lot harder, which means more leverage for you.  The harder you fight and the more pain you bring, the greater the likelihood of getting a loan modification or deal done that you love.

Best yet, if the mortgage company gives you a document that is damaging during the discovery phase, you can use it against them with the judge. We’ve also found that banks’ lawyers become very interested in settling cases when they know they are about to produce some damaging information to us in discovery. That creates big leverage to get a deal done that includes them paying money to our client.

 

Types of Discovery Requests

 

Requests for Admissions

This kind of discovery request asks the mortgage company to admit or deny statements you write out. We usually use these to establish whether or not documents exist. We usually phrase these in the negative because lawyers love denying things.

By denying a negative statement, the mortgage company admits the document exists. For example:

  • Admit that you have no policy or procedure for training your customer service representatives.
  • Admit that you are unable to locate every recording of each call you placed to homeowner.

Once they deny, you can then follow up with a Request for Production asking them to produce the policy or procedure!

Requests for Production

This is the most encompassing type of discovery.  A Request for Production requires the mortgage company to produce any documents and things it has that could possibly be relevant to you or the allegations in the lawsuit.

The most common documents requested and received in foreclosure lawsuits are:

  • The loan file
  • Call records
  • Recorded audio calls
  • Accounting of the loan

If your lawsuit alleges mortgage servicer took or didn’t take some specific action, then you can probably also ask for internal procedures too. If they complain about confidentiality, then offer to sign a non-disclosure agreement. If they balk at that, call the judge’s bailiff and ask for a status conference to discuss discovery.

Interrogatories

These are specific statements that you want answered. Don’t ask things that require a yes/no answer, because those can be sent as Request for Admissions. Instead, ask for lists, names, or dates. My favorite interrogatories to ask revolve around dates. For example:

  • State the date that you first acquired ownership of the note.
  • State the date that you first came into possession of the note.
  • Identify everyone who has acted as a custodian for the note, with corresponding dates that they acted as custodian.

Interrogatories can be very effective to gum up the works. For example, if the mortgage company claims to have possession of the note but can’t tell you when it first acquired possession, that can be a real problem for it.

Once you bring the fight to the mortgage company, you are no longer begging for table scraps. You aren’t quietly holding out your hat to see if they will drop in a few nickels. You aren’t sending over a stack of documents and patiently waiting to see if your mortgage company will help or send you directly to foreclosure. That was the old way of doing things.

The new way of getting the mortgage company’s attention is with the power of a lawsuit and being in court. Once you file a lawsuit, you will find that the people on the other side are decision makers who can do deals that the low-level customer service representatives don’t have access to. It’s just a whole different ballgame. The leverage of a lawsuit means a loan modification that stops foreclosure and allows you to stay in your house is a whole lot more likely. Negotiating from strength opens a new world of possibilities for you.

If you get a loan modification done that you love, then you will probably sign a settlement agreement that naturally ends your lawsuit. If you can’t get a deal, then keep fighting in court until you’re happy with what the mortgage company offers you. You can file motions to win or to compel discovery. The image below gives you a list of 15 different motions you can file in court.15 motions for court

You can also ask for other things as part of any settlement negotiations. Our clients have a variety of different desires and reasons for those desires. Think about your own goals and what you would like from the process, and then write them down. You may find it helpful to revisit that goal as you progress in the lawsuit process to keep you focused on the end result. Here are some things our clients have asked for as part of their own cases:

  • Get an error or mistake fixed.
  • Reinstate the loan.
  • Reinstatement with the deferred amount added to the end of the loan.
  • Reinstatement with a waiver of the deferred amount.
  • Loan modification with a lower rate, longer term, or lower payments.
  • Short payoff, where the lender accepts less than you owe to pay off the loan.
  • Walk away with no deficiency owed on any negative equity.
  • Walk away with moving money from the bank.
  • Any of the above plus monetary damages.
  • Clear your credit.
  • Home free and clear of the lien.
  • Avoid bankruptcy.
  • Avoid a foreclosure being public through a deed transfer in lieu of foreclosure.

If you can’t settle the case, or lose at the trial court level, you can always appeal. I’ve found that the mortgage companies are usually willing to do a deal at the court of appeals before they have to file a brief, even if an earlier deal wasn’t offered (or wasn’t good enough). That means another opportunity for you to get a deal you love.

The main point here is that the old way is giving up. The new way is fighting for your home using every resource you can to win.

It's All About Getting Into Court

When the mortgage company refuses to work with you, the key to getting a loan modification you love is to get into court. Once in court, you can create leverage by sending discovery requests to the mortgage company. That is when we have found that they are willing to settle a case on better terms than they have ever offered in the past. This includes stopping foreclosure. To recap, to stop foreclosure by getting a loan modification you love, you need to:

 

Options to Get into Court

 

Option

Expected Results

Expected Cost

Time

Hire a General Practice Lawyer Who Dabbles in Lots of Different Areas of the LawDon’t expect a strong defense or even a deal.  We’ve heard many general practice lawyers talk in terms of buying time for homeowners before they have to move.  This isn’t how your lawyer should approach your case. Deals are usually table scraps, if even offered here (when the case isn’t aggressively pursued).Up to About $5,000 to just buy some time.4-8 extra months
Hire a Lawyer from a Large Corporate Law FirmAssuming the lawyer wouldn’t be conflicted out (due to the work they do for banks), the lawyer may be smart but likely have zero experience in defending foreclosure because few people facing foreclosure could afford to hire them.  You will spend a fortune to have them and their associates learn what they need to know.$120,000 and Up6-12 months
Hire a Foreclosure Defense LawyerLikely to get a deal done that meets one or more of your objectives, but good foreclosure defense lawyers are hard to find (they are not bankruptcy lawyers advertising foreclosure defense).$12,000 per year or more.6-18 months
File BankruptcyA Chapter 13 can force the mortgage company to accept your payments to get back on track, but cannot force a loan modification or get you better terms, assuming you qualify to file.  Plus, your credit takes a big hit and it will take at least 3 years to resolve.$3,000-$5,000 for Ch. 133-5 year repayment plan
Give UpMortgage company takes your home through foreclosure.  If your house doesn’t sell for more than the loan, probably face a deficiency judgment for the difference.  That kind of judgment allows the mortgage company to garnished your wages and attach to bank accounts for whatever balance is left (which can be sizeable).  Plus, your credit takes a hit.Cost of moving, new school districts, rental deposit, plus any deficiency judgment.1-4 months.
Fight Foreclosure Yourself with the Right Resources and TemplatesYou can put up a considerable fight because you can devote more energy than the other side to your case.  With the right resources, you can get a loan modification or deal that you love and that ends any foreclosure.  You might also be able to obtain money damages, and even have the tradeline deleted from your credit report, boosting your scores.A Fraction of the Cost.As long as it takes, including through appeals.

With the right resources and templates, you can fight foreclosure yourself in court to stop foreclosure and get a loan modification you love.  Fighting foreclosure yourself keeps you in complete control of your foreclosure defense, saves you a bunch of money, and will probably yield you better results than even hiring a general practice lawyer.  Getting a deal done avoids having to file mortgage bankruptcy, keeps your family in the house, and puts foreclosure behind you.  The right deal can protect your assets and sometimes even repair credit.

To help you fight foreclosure on your own in court, I’ve put together a complete foreclosure defense course for you.  

My Complete Foreclosure Defense Course gives you all the resources and templates you need to fight foreclosure in court without an attorney.  I’ve condensed a decade of experience and hundreds of cases into an easy-to-understand course that you can use to quickly learn to stop foreclosure by getting the loan modification you love. 

You can fight the bank in court with the right resources!

Options to Get into Court

Options with Expected Results

1. Hire a General Practice Lawyer Who Dabbles in Lots of Different Areas of the Law

Don’t expect a strong defense or even a deal.  We’ve heard many general practice lawyers talk in terms of buying time for homeowners before they have to move.  This isn’t how your lawyer should approach your case. Deals are usually table scraps, if even offered here (when the case isn’t aggressively pursued).

Expected Cost: Up to About $5,000 to just buy some time.

Expected Extra Time: 4-8 extra months

 

2. Hire a Lawyer from a Large Corporate Law Firm

Assuming the lawyer wouldn’t be conflicted out (due to the work they do for banks), the lawyer may be smart but likely have zero experience in defending foreclosure because few people facing foreclosure could afford to hire them.  You will spend a fortune to have them and their associates learn what they need to know.

Cost: $120,000 and Up

Time: 6-12 months

 

3. Hire a Foreclosure Defense Lawyer

Likely to get a deal done that meets one or more of your objectives, but good foreclosure defense lawyers are hard to find (they are not bankruptcy lawyers advertising foreclosure defense).

Cost: $12,000 per year or more.

Time: 6-18 months

 

4. File Bankruptcy

A Chapter 13 can force the mortgage company to accept your payments to get back on track, but cannot force a loan modification or get you better terms, assuming you qualify to file.  Plus, your credit takes a big hit and it will take at least 3 years to resolve.

Cost: $3,000-$5,000 for Ch. 13

Time: 3-5 year repayment plan

 

5. Give Up

Mortgage company takes your home through foreclosure.  If your house doesn’t sell for more than the loan, probably face a deficiency judgment for the difference.  That kind of judgment allows the mortgage company to garnished your wages and attach to bank accounts for whatever balance is left (which can be sizeable).  Plus, your credit takes a hit.

Cost: Cost of moving, new school districts, rental deposit, plus any deficiency judgment.

Time: 1-4 months.

 

6. Fight Foreclosure Yourself with the Right Resources and Templates

You can put up a considerable fight because you can devote more energy than the other side to your case.  With the right resources, you can get a loan modification or deal that you love and that ends any foreclosure.  You might also be able to obtain money damages, and even have the tradeline deleted from your credit report, boosting your scores.

At a Fraction of the Cost.

Time: As Long as it Takes, Including Through Appeals


To help you fight foreclosure on your own in court, I’ve put together a complete foreclosure defense course for you.
  

With the right resources and templates, you can fight foreclosure yourself in court to stop foreclosure and get a loan modification you love.  Fighting foreclosure yourself keeps you in complete control of your foreclosure defense, saves you a bunch of money, and will probably yield you better results than even hiring a general practice lawyer.  Getting a deal done avoids having to file mortgage bankruptcy, keeps your family in the house, and puts foreclosure behind you.  The right deal can protect your assets and sometimes even repair credit.

My Complete Foreclosure Defense Course gives you all the resources and templates you need to fight foreclosure in court without an attorney.  I’ve condensed a decade of experience and hundreds of cases into an easy-to-understand course that you can use to quickly learn to stop foreclosure by getting the loan modification you love. 

You can fight the bank in court with the right resources!

FOR HOMEOWNERS WHO WANT TO STOP FORECLOSURE AND GET A LOAN MODIFICATION THAT THEY LOVE

The Complete Foreclosure Defense Course is a course that I specifically designed to be easy for homeowners to complete so that they could save their home from foreclosure.  The Course is for homeowners who have tried to work with their mortgage company, but failed to get a deal that prevents foreclosure.

If you are facing foreclosure and want to save your home with a loan modification that you love, then The Complete Foreclosure Defense Course is the resource you need.  The course gives you everything you need to get in court, put the pressure on the mortgage company, and negotiate a deal you love that stops foreclosure.

Earl Williams Jr Quote “As a foreclosure defense lawyer myself working in the Cleveland area, I found this course to be incredibly comprehensive.  It gives homeowners just about everything they need to defend foreclosure, plus more.  I’ve known Troy and his work for several years, and this course exceeds the high standards I’m used to seeing from him.  I’m happy to recommend this course to homeowners, and even to other lawyers looking to understand how to defend foreclosure.” 

- Attorney Earl Williams, Jr., Cleveland, Ohio

This is a Better, Faster, and Cheaper Solution

The information in this course would take years to learn from scratch. A lawyer new to foreclosure defense would spend hundreds of hours to learn a fraction of what is included in this course. The course gives you everything you need to get in court, put the pressure on the mortgage company, and negotiate a deal you love that stops foreclosure. It saves you the cost of hiring a lawyer and keeps you in control of the process.

  • ​We Give You Law That is Good in ANY US state.
  • End your foreclosure nightmare.
  • Respond immediately to foreclosure by getting into court.​
  • Avoid losing your home to a foreclosure judgment.
  • ​Get a loan modification done with the mortgage company, even if you were previously denied.​
  • Avoid owing the mortgage company on a deficiency judgment.
  • ​Get some breathing room to find a solution.
  • ​Save your home from foreclosure and stay in the property.
  • ​Level the playing field.
  • ​Stay in your house longer.
  • ​Get a specific error fixed.
  • ​Get a loan modification with awesome terms and a lower interest rate.
  • ​​Save money over hiring an attorney.
  • Walk from the property without owning a deficiency.
  • Gain some leverage over my lender.
  • Get justice and hold the bank accountable.

Get the Results You Want in 3 Steps

1. Get into Court.

I’m going to give you over 60 downloadable documents, including multiple templates that my law firm uses with our own cases. This isn’t second-hand, left over, law student-level work that you are getting. These are seriously good documents and lessons that cut through the BS to give you what you need to win. I can’t guarantee an outcome, but I sure can give you the best I’ve got (and use) to give you the shot you need.

Representing yourself saves you money over hiring counsel. If you approach the lawsuit with the goal of getting a loan modification that you love and stopping foreclosure, the material in this course is a great step towards it. This Course gives you a MAJOR boost over defending foreclosure on your own (don’t go at it alone!). To that point, you simply cannot gain the knowledge and experience poured into this course unless you litigated foreclosures for years. Let my experience work for you.

…I’ll slip in here that you might be surprised at how bad some lawyers are at drafting lawsuits or even fighting them in court. Law school teaches the basics, but few lawyers take the real litigation courses that explain how to actually fight a case. That means you can probably do just as good a job as some lawyers by following this course and using the templates. You might just impress opposing counsel and the judge!

2. Send Discovery

Discovery is where you create the leverage that maximizes the fact that you filed a lawsuit. I’ll give you the templates that my firm uses to draft discovery requests. It includes so many requests that you will need to delete some before sending them to the mortgage company’s lawyer to answer. I’ve given you the whole nine yards so you can pick what is relevant to your individual case.

The discovery template alone probably took $25,000 worth of time to put together. I worked to make it comprehensive, and updated parts recently to make it clearer and as succinct at possible. It’s also drafted to avoid some specific objections that the mortgage companies like to raise. Having this template and all the accompanying lessons will save you hours and hours of time, lots of money over hiring a lawyer to put them together, and make your life a lot easier.

3. Negotiate a Deal

Some of the most helpful lessons in this Course are about negotiations, settlements, and what kind of modifications/deals you should expect. I talk about real numbers based on hundreds of cases my firm has litigated to settlement. I tell you a bit about what it takes to win a free house (plus $$$), what a six-figure settlement case looks like, and also how to get a deal that stops foreclosure.

I’m also including an analysis of the different kinds of lawyers you will encounter, plus how the judge will see your case.

As one of the bonuses below, I’m including an interview with a judge about how he views foreclosure cases and how he approaches people representing themselves in Court. You can’t miss this interview! You also can’t buy this kind of valuable information.

Having information about how to negotiate, what to expect, and the players will help you best prepare for settlement negotiations. If your goal is to stop foreclosure and get a loan modification that you love, this is the course for you.

Everything a Homeowner Needs to Win in Court and Stay in Their Home

I’m going to give you over four dozen lessons by me that break down the lawsuit process into easily understood sections. It also includes a number of lessons that help you understand how the process works and who the players are, and how they might act, as well as what you can expect. It is designed to help homeowners stop foreclosure, save their homes, and get loan modifications that they love.

The Course has three parts. The first part discusses the basics that you should watch before doing anything in court. It provides you with the foundation to be successful in fighting your own foreclosure.

The second part is all about court and how you fight a case in court to win. I include lots of templates that make the process easy for you. Just watch the videos and fill in the templates. In a few, like the Answer, I even walk along with you as I fill out an example.

The final part offers a number of lessons on specific foreclosure defenses, what they are, and how to raise them in your case (no matter what state you are in).

 

The Value of this Course is Over $27,580.

Part I Is Packed with Lessons You Need to Watch Before Starting Foreclosure Defense Value: $6,585

Planning Your Winning Strategy

► Lesson: Learning Objectives
§ Learning objectives for the course.
► Setting Your Goals
§ How to set your own foreclosure objectives at the start.
§ Possible case and settlement outcomes.
► Know the Players and the Game
§ The different types of foreclosure firms and how they operate.
§ The types of mortgage companies/mortgage companies and how they fight differently.
§ What judges are like, and what we have learned.
► Think Like a Lawyer (and Judge!)
§ How lawyers are trained.
§ What judges like to see in filed documents.
► Winning a Free House)
§ How we have won free houses.

Key Foreclosure Basics You Must Know

► The 3 Key Documents
§ The three key documents to every foreclosure.
§ What they do and how they operate.
► The Source of Foreclosure Defenses
§ Sources of foreclosure defense.

The First Steps to Beating the Mortgage company in Litigation

► Litigation Overview
§ Significance in foreclosure & the litigation process.
§ State versus federal court.
► Litigation Timeline
§ A timeline with expected phases.
► What to expect at status conferences and hearings
► Types of documents filed in court and what they do)
§ Preparation for getting into the details.

Watch Part II's Lessons as Your Case Proceeds Value: $12,450

Learning the Rules of the Game

► Civil Rules for Pleadings.
► Civil Rules for Discovery.
► Civil Rules for Motions and Magistrates.
► Federal Rule 26(f) Proposed Scheduling Order & Initial Disclosures.)
► Rules of Evidence for Motions & Hearings.

How to Draft Your Foreclosure Answer (or New Lawsuit)

► How to Draft a New Lawsuit (downloadable template included!)
§ Introduction, § Jurisdiction, the Parties, General Allegations, Counts the Demand.
► How to Draft an Answer (downloadable template included!)
§ § Answering the Allegations, Defenses, Affirmative Defenses, Demand.
► Example Foreclosure Lawsuit by a Mortgage company
§ Counts 1 & 2 Explanations, Demand, and the Process
► How to Fight Foreclosure in a Non-Judicial Sale State

Discovery: How to Get Information from the Mortgage company that it Might Not Want to Give You

► Discovery Drafting
Requests for Admission, Requests for the Production of Documents, Interrogatories, Depositions
► Responding to Discovery
Includes 19 Objections You Can Raise
► Drafting and Serving a Subpoena)
► How to Evaluate their Discovery Responses & Your Deficiency Letter

How to Ask the Judge to Rule in Your Favor

► 15 Types of Motions You Can File in Court.
► How to Draft a Winning Motion
► Draft Like Lawyers - IRAC!

Part III are Your Well-Tested Foreclosure Defenses Value: $8,545

► Lesson: Standing
► Lesson: Attacking the Note's Enforceability
► Lesson: Enforceability of the Mortgage/Deed of Trust
► Lesson: How to Challenge MERS® Assignments
► Lesson: Insufficiency of Process
► Lesson: Failure to state a claim
► Lesson: Statute of Limitations Expired
► Lesson: Conditions Precedent: FHA/VA Loans
► Lesson: Conditions Precedent: Mortgage
► Lesson: Unclean Hands
► Lesson: Failure to Mitigate Damages
► Lesson: Paid Mortgage Insurance as a Defense
► Lesson: RESPA 120-Day Rule
► Lesson: RESPA Dual Tracking Rule
► Lesson: Prior Material Breach/Breach of Contract
► Lesson: TILA Rescission for Notice Errors
► Lesson: Securitization Issues in Foreclosure Actions
► Lesson: a Note on HOA and Tax Foreclosures
► Plus Download Document with 63 Defenses with Explanations!

To Recap, This is Everything You Are Going to Get

Foreclosure Course Part I

Planning Your Winning Strategy Key Foreclosure Basics You Must Know The First Steps to Beating the Mortgage company in Litigation

Value: $6,585
 

Foreclosure Course Part II

Learning the Rules of the Game How to Draft Your Foreclosure Answer (or New Lawsuit) Discovery: How to Get Information from the Mortgage company that it Might Not Want to Give You How to Ask the Judge to Rule in Your Favor

Value: $12,450
 

Foreclosure Course Part III

18 Well-Tested Foreclosure Defenses (Over 4 hours of Lessons)

Value: $8,545

Total Course Value: $27,580

Including Over 60 Downloads

Time is Not Your Friend!

Warning!

Foreclosure comes quickly and losing your house can happen if you don’t immediately address the mortgage company’s demands.  Your mortgage company is not going to wait for you to put together a foreclosure defense or wait for you to sue it.  It wants its money as quickly as possible.  Get this course today and take a step in your strategy for stopping foreclosure and getting a loan modification that you love. 

The earlier you act, the more time you have to get a deal done.  You must act immediately if the mortgage company files foreclosure against you in court or sends you the trustee sale letter!  Do not delay!

Get These Six Bonuses Today!

 

Bonus #1 

Extra Value: $990!

We hold regular calls for our students each month to discuss all aspects of litigation and foreclosure defense.  You have the ability to submit topics and areas that you would like us to teach about, and that we plan the calls around.  This is a monthly paid service offered to anyone who wants a deeper dive into the process, free for you for two months!

Bonus #2 

Extra Value: $697!

Troy chats for nearly an hour with a sitting judge in this video about foreclosure defense, mistakes new lawyers and pro se litigants make, and how to maximize success when faced with a challenging judge!  This is an incredible interview that every foreclosure practitioner needs to hear.  A judge's perspective is ultimately what matters, so understanding his (or her) thought process is invaluable!

Bonus #3 

Extra Value: $497

How Much is Your Case Worth? Troy explains the levels of settlement based on the type of case and the claims or defense brought within it.  This is incredibly helpful information so that you can better gauge the value of your case when you head into settlement.  Is your case worth a free house?  Find out!

Bonus #4 

Extra Value: $397

Troy walks through his philosophy on what makes a strong theme for cases.  Every lawsuit needs to have a strong underlying theme and Troy teaches you his secret formula here.  This is the actual formula he uses to train the lawyers that work at his firm!

Bonus #5 

Extra Value: $97

Save Money and Get Better Deals with a Higher Credit Score! Learn how to boost your credit score and keep it climbing.  This eBook offers practical ways to improve your credit score.

Bonus #6 

Extra Value: $47

Learn the History of our Nation with these Foundational Documents! If you have ever wanted to read our founding documents and more, this is a great downloadable package for you!

Total Bonus Value: $2,725!

Get the entire course plus all these bonuses for a small fraction of the value today!!

 

Money Back Guarantee!

My course is guaranteed to  teach you how to fight foreclosure in any state in the United States.  If you don’t feel like My Complete Foreclosure Defense Course is:

  •         Giving you the tools and resources that you need to stop foreclosure;
  •         Giving you the tools that you need to get a loan modification you love;
  •         Showing you exactly how to defend foreclosure in court;
  •         Overcoming some of the stress and anxiety of foreclosure is causing;
  •         Helping you get a deal done that enables you to stay in your house,

Then let us know within 30 days and I will receive a complete refund with no questions asked!

Money Back Guarantee!

My course is guaranteed to  teach you how to fight foreclosure in any state in the United States.  If you don’t feel like My Complete Foreclosure Defense Course is:

  •         Giving you the tools and resources that you need to stop foreclosure;
  •         Giving you the tools that you need to get a loan modification you love;
  •         Showing you exactly how to defend foreclosure in court;
  •         Overcoming some of the stress and anxiety of foreclosure is causing;
  •         Helping you get a deal done that enables you to stay in your house,

Then let us know within 30 days and I will receive a complete refund with no questions asked!

 Everything You're Going to Get When Buying Today

 

Foreclosure Course Part I

Planning Your Winning Strategy. Key Foreclosure Basics You Must Know The First Steps to Beating the Mortgage company in Litigation
Value: $6,585

Foreclosure Course Part II

Learning the Rules of the Game How to Draft Your Foreclosure Answer (or New Lawsuit)  Discovery: How to Get Information from the Mortgage company that it Might Not Want to Give You How to Ask the Judge to Rule in Your Favor
Value: $12,450

Foreclosure Course Part III

18 Well-Tested Foreclosure Defenses (Over 4 hours of Lessons)
Value: $8,545

Bonus #1

Monthly Conference Calls!
Value: $990

Bonus #2

A Foreclosure Interview with a Judge!
Value: $697

Bonus #3

How to Estimate Your Case's Settlement Value
Value: $497

Bonus #4

Troy's Secret Formula for Developing a Winning Case Theme
Value: $397

Bonus #5

101 Credit Reporting Fixes eBook
Value: $97

Bonus #6

Constitution with Other Founding Legal Documents Plus the Madison Paper
Value: $47

Total Course Value:

$30,305

You Won't Pay $30,305!  You will be surprised at how inexpensive this course!

 

Q & A’s

Does this Course work in every state?  Yes!  The defenses and common law claims are available in every state.  People who defend foreclosure in court file an Answer, which is included.  People in non-judicial states (deed of trust states) need to file a Complaint, which is also included!

Should I get this course before foreclosure is started? You should be planning a few steps ahead of the mortgage company, especially when it comes to foreclosure.  When foreclosure happens, it can happen within a short period of time.  Because there is a good deal of information here, it is a good idea to start learning how to use our tools and templates sooner than later.

Should I get this course after the foreclosure is over? This course shows you how to sue a lender and gives you the tools and resources you need to file a lawsuit, whether before or after the foreclosure process is underway or even completed.  If you live in a judicial sale state, you will need to file a 60(B) motion to reopen the case if it has ended or have a claim if certain violations of federal law are present (e.g., pursuing foreclosure while you had a completed loan modification that was in review).  In a non-judicial sale state, it would be appropriate to file a lawsuit to recover damages in any event.  In our practice, we have gotten foreclosures unwound post-judgment through filing a lawsuit against the mortgage company.  In those instances, the mortgage company retitled the property back into the name of our client once a settlement was reached.  However, this was only possible because the bank bought the property at auction (versus an independent third party).  If the property has already been transferred to a bonafide third party, then it would be unlikely to be able to recover the property (but damages might still be available through a lawsuit).  If your intent is to file a lawsuit, then this course would be a great resource.

Is this going to work in my situation?  A lawsuit offers you the ability to right a wrong, plus it offers you leverage that you don’t have right now.  A lawsuit changes the status quo.  Before you were begging for a deal, and now you are demanding it (with some firepower to back it up).  You’ll need to ask yourself if that kind of firepower will help your situation or not.  If yes, then this course is a great fit.

Can I learn all this on my own?  Maybe, yes.  But you really don’t have time to go to law school and then litigate hundreds of cases if the bank is threatening you with foreclosure right now.  If you take my course and leave thinking “I knew all that!” I’ll be super impressed and probably offer you a job.

Do I have time to watch the whole course?  You don’t have to binge watch every one of the 45 lessons at once.  You can take the lessons as the issues arise in your case.  For example, the section on filing an answer/complaint will be most important right now, but the discovery section can probably wait.  The good news is that you’ll be able to watch and re-watch lessons as needed.

Am I required to have a lawyer?  No!  The Constitution gives you the right to defend and bring lawsuits in your own name.  You do not need a lawyer to defend or bring a lawsuit in court.

Is it too hard to do by myself?  People bring and defend lawsuits every day without a lawyer, so you do not need to be an expert or lawyer to be in court.  Heck, more than half the licensed lawyers in the United States have never set foot in a courtroom.  They might do business transactions, work in compliance, or do some other work that doesn’t require litigation.  By the time you are done with this course, you will probably know more about litigation than many of those lawyers!

How do I get additional support?  We have regular calls scheduled every month to go over foreclosure issues, litigation processes, and to address broad issues raised by homeowners like you.  While the law prohibits us from giving legal advice on specific questions/situations, we spend time discussing how litigation works based on the areas that our students raise.

Can I Hire a Lawyer Later if I File on My Own Now?  Yes!  Nothing is prohibiting you from hiring a lawyer later in the process if you desire.  In fact, they will probably appreciate you mentioning this course and the excellent work you’ve already done on the matter!

What kind of loan modification should I expect?  Each mortgage servicer is a little different in how they approach loan modification deals.  However, most are focused on making the payments affordable to you based on your current income.  They won’t look at the total amount of debt you have, but rather focus on the monthly payments based on your income.  Also, keep in mind that the deal they offer in the start of the case will probably not be as good as the deal they offer a little later.  We have only had one instance where a mortgage company pulled a later deal (because their lawyer was mad at Troy), but then they came back to the table a few weeks later and resolved the case with a great loan modification.

How Can I be Sure this Course will help me?  Look, there are no guarantees in life.  But this course is designed by a lawyer that has been doing this a while and who has gotten pretty good results for his clients.  The templates are actually used by our firm, so you are getting the same tools that we developed over a decade.  You also have a 30-day money back guarantee, so what do you have to lose?!

Can you guarantee me an outcome?  Absolutely not.  There are no guarantees in life.  I’m giving you some solid tools here, but there is a whole lot outside my (and your) control.  The judge who gets your case comes to mind.  I’d think about this course in terms of options.  If you are reading this right now, you know that you need to do something different.  Doing the same thing over and over is the definition of insanity.  Take a detour from your normal, get this course, and see where it takes you.