Facing Foreclosure?

Everyone Deserves A Fresh Start . . . Why Not You?

U.S. Foreclosure Activity In January 2022 Highest Since Beginning Of COVID-19 Pandemic

Foreclosure Market Report, shows there were a total of 23,204 U.S. properties with foreclosure filings — default notices, scheduled auctions or bank repossessions — up 29 percent from a month ago and 139 percent from a year ago.

Foreclosure Completion Numbers Continue To Rise
Lenders repossessed 4,784 U.S. properties through completed foreclosures (REOs) in January 2022, up 57 percent from last month and 235 percent from last year – the 7th consecutive month with an annual increase in completed foreclosures. January 2022 shows California had 1,226 started. Orange County, California is one of the hottest markets in the country. With government-mandated forbearance coming to an end, more than 1.2 million mortgages are now coming due. This makes the future of foreclosures in the country unpredictable. Saunders & Associates, APC will be your guiding light.

If you are a borrower and have fallen behind on your mortgage payments, with the ultimate goal of you keeping your property, Saunders & Associates, APC, will help you achieve your goal. The difference between winning and losing come down to the law firm that represents you. Saunders & Associates, APC, has been practicing law since 1989. Yes, that’s 32+ years of experience vigorously representing business owners and individuals across California.

We Will Stop Trustee Foreclosure Sales For:

Owner Occupied Property

Investment Property

Commercial Property

Office Building

Apartment Complex

Shopping Center

Strip Mall

Raw Land

In today’s economy, foreclosure sales are happening with increased frequency. Foreclosure proceedings often start within three to four months after payments become delinquent, but it can also happen when the borrower fails to meet other terms in the mortgage document.

What Is Foreclosure?
Foreclosure is the legal process by which a lender attempts to recover the amount owed on a default loan by taking ownership of the mortgaged property and selling it.

How Long Does Foreclosure Take?
Properties foreclosed in the second quarter of 2021 had spent an average of 922 days in the foreclosure process, according to the U.S. Foreclosure Market Report from ATTOM Data Solutions, a property data provider. This is down slightly from the previous quarter’s average of 930 days, and up 34.5%, from 685 days, in the second quarter of 2020.

Filing A Lawsuit

Successful litigation defenses to foreclosure are due, in large part, to the unearthing of more and more evidence that the mortgage industry have been rife with errors. Courts that once rubber-stamped foreclosure actions have shifted their sympathies towards borrowers.

Saunders & Associates, APC, noticed this change in judicial attitude and challenge foreclosure actions in many different ways. Some of the most common defenses to foreclosure include:

Foreclosing bank didn’t follow the required State and Federal procedures;

Foreclosing party can’t prove it owns the loan (it lacks “Standing”);

Mortgage servicer made a serious mistake when handling your loan;

Statute of limitations has passed;

Servicer used a defective affidavit or declaration;

Crediting your payments to the wrong party

Dual-tracking in violation of Federal law or State law, if applicable;

Imposing excessive fees or fees not authorized by mortgage contract;

Substantially overstating the amount you must pay to reinstate your mortgage;

Defective Affidavits and Declarations

If you need a law firm to handle all of your foreclosure needs, Saunders & Associates, APC, is the firm for you. We represent clients throughout California. Our clients’ are our focus. We are committed to leveraging our combined knowledge and experience to exceed our clients’ expectations. Let us help you every step of the way. If you are wondering what makes Saunders & Associates different. The answer is YOU. Saunders & Associates is an excellent partner and guiding light for you, your business and legal needs.

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The Process To Getting Started

Review Your Case

Whether you are an individual or business owner. We have a legal strategy and solution that will resolve your matter.

Execute Fee Agreement

Submit all requested documents and Fee Agreement to establish attorney-client relationship.

Vigorously Represent You

Once you become a client, we will vigorously fight for you, to negotiate your desired outcome.

Best Efforts Resolution

Once desired outcome is achieved, supporting documents will be emailed to you. The benefit of having the right law firm on your side.

SCHEDULE A FREE CONSULTATION TODAY

Get In Touch

Our Clients Say

Sara M

- Foreclosure Client

Very helpful from the beginning. They answered all my questions and were great at helping me save my home from foreclosure. I highly recommend this law firm.

Michael A

- Litigation

I was in need of an experienced attorney who knows litigation. I was very happy with the service and the results. I was notified about the each step and what was happening. The client portal is a great tool to be able to access and upload.

S. Landsbrook

- Foreclosure

Had to separate legal issues to deal with. First, the foreclosure I was going through was resolved after trying other companies, no one could help. After that was resolved I had a living trust which needed to be created. Everything went smooth.

Nathan Skaggs