Facing the threat of foreclosure is stressful, and can be overwhelming.  The bank claims that it wants to help you save your home, but then repeatedly asks you to submit the same documentation over and over again. Then, after months of this mortgage go-around, the bank denies your request for a loan modification. You are now at your wits end, and are worried about losing your home.

The Law Office of Jason Ostendorf has a history of success helping consumers save their homes. Our firm concentrates in foreclosure defense. We are one of the few Maryland law firms with the skill and experience to find ways to stop the foreclosure, secure a loan modification, and even obtain a jury award for monetary compensation from the bank. Additionally, unlike other law firms, our success allows us to offer flat rate payment options to our clients.

There are strict deadlines to assert your rights, and these rights can be lost. Contact our firm today so we can promptly meet with you and begin finding ways to save your home.

What Are My Rights?

Unfortunately, even if you are entitled to a loan modification, the bank will often deny it.  They may have told you that you did not submit sufficient paperwork, even if you did.  The bank may have falsely told you that your application did not meet "investor guidelines".  And, the bank may have given you this "mortgage go-around", after months of pretending to work with you.  The bank does this to lead you into a false state of comfort, and keep you unprepared for its true plan -- to take away your home.

Fortunately, most homeowners have rights under the federal Home Affordable Modification Program (HAMP), and other programs that may entitle you to a loan modification.  Maryland law requires the bank to make a real, honest attempt to work with you before foreclosure.  If the bank has wrongfully denied your modification, failed to work with you in an honest manner, or failed to inform you about modification opportunities, we can help you save your home. 

Additionally, if the bank violated your rights, we can help you seek a jury award for compensation.

How Do I Protect These Rights?

Protecting these rights absolutely requires the skill and experience of a competent foreclosure attorney. The laws surrounding foreclosure are complex, and the court will not grant you any relief unless you can clearly argue and prove your case. Often, the court will want to know exactly what statute, rule, regulation, or past judicial decision entitles you to relief. The first thing your foreclosure lawyer must do is file legal documents with the court stating these laws, and request the court to schedule a hearing to assert your rights.

But, Why Would The Bank Try To Trick Me Into Foreclosure?

There are three parties to a mortgage -- the homeowner, the investor, and the bank.  The bank is the party you pay money to each month, and is also the party trying to foreclose on your home.  While the investor usually does not profit from foreclosure, the bank does.  The bank makes money off your late fees and penalties.  Foreclosures result in huge late fees and penalties.  This is especially true where the bank pretends to work with you on a modification -- during all the months you take time out of your life to gather, submit, and re-submit paperwork, the bank may just be sitting back, ignoring your paperwork, and letting the late fees and penalties increase. 

In other words, the bank may not intend to work with you at all.  The bank knows that, the higher the late fees and penalties, the more money it gains from foreclosure.  A loan modification, on the other hand, would erase the late fees and penalties, and save your home.

To summarize, many banks will do anything to avoid giving you a HAMP or other modification.  Homeowners are starting to catch on, and assert their rights in court to stop foreclosure.  Unfortunately, the banks have started to retaliate by lobbying Congress to abolish HAMP and other laws that help homeowners.  It is important to assert your rights now before they are gone.

Are There Really Secrets To Stopping Home Foreclosure, Can I Really Beat The Bank?

Yes. There are many legal requirements the bank must follow before filing foreclosure, during the foreclosure process, and even after foreclosure. If the bank makes one misstep (and if that misstep is brought to the court's attention), the foreclosure will often be dismissed and you will save your home. In addition to these procedural hurdles, the bank cannot engage in fraud or violate your rights. If the bank does, then you will likely save your home, and also obtain a jury award for compensation.

Why Should I Choose the Law Office of Jason Ostendorf?

The Law Office of Jason Ostendorf concentrates in foreclosure defense. Most law firms do not focus their practices in this area of the law. Our focused level of experience and success in saving homes makes us stand out among other law firms. We waste no time in asserting your rights to the fullest extent of the law. Simply put, our firm is a relentless advocate in the fight to save a home.

Additionally, our success permits us to offer our clients flat rate payment options that most firms are unable to offer. It is our level of skill, competetive flat rates, and history of success that allows us to live up to our motto of Quality, Value, Results.

Where Do We Go From Here?

Before we can help, we must meet with you to review your mortgage documents, the bank's letters to you, and any foreclosure filings. This information will allow us to develope a strategy to stop the foreclosure and fight to save your home.

Feel free to use our online scheduling system on this page to schedule your consultation.