Can you sue a mortgage company for harassment?

If the mortgage company violates RESPA, you can sue them. This is to discourage your mortgage company from violating the law. Under a similar law, Truth In Lending, they will have to pay up to $4,000 per violation.

What is a Chapter 13 hardship discharge?

For some, the answer is a Chapter 13 hardship discharge. A hardship discharge is granted by the bankruptcy court to a debtor unable to complete her Chapter 13 repayment plan, and will end the case before the plan termination date.

Can a mortgage company refuse to accept payments?

Your mortgage company may refuse payment from you if they have started the foreclosure process. They may attempt to collect the full amount of arrears that you owe to bring your account up to date. If you go to court, you can force the lender to accept payments and start a payment plan to catch up.

Can a chapter 13 bankruptcy freeze a foreclosure?

Filing for bankruptcy will freeze the foreclosure (and any other debt-related lawsuits) from proceeding with a temporary stay. Filing for Chapter 13 Bankruptcy can freeze the foreclosure and give you up to 5 years to get current on the mortgage while resuming your regular mortgage payments.

What happens if you don’t pay your mortgage on time?

If you fail to make your mortgage payments each month, your bank or mortgage lender may take action to repossess your home. After all, it’s not technically your home until you’ve paid the mortgage in full. Until that time, you AND the bank own the home.

What to do if you are behind on mortgage payments?

If you are behind on mortgage payments and you want to avoid foreclosure, it is best to talk to one of the foreclosure lawyers in Los Angeles at Consumer Action Law Group and schedule a free meeting to discuss your case. We help people file for bankruptcy and sue lenders to save their homes.