Wrongful Foreclosure Attorney, Carlin J. Phillips, Explains Illegal Lockouts to AOL Reporter

Wrongful foreclosure attorney Carlin Phillips of Phillips & Garcia was recently interviewed by Lita Epstein, for AOL's Housing Watch.com and he explained some of the terrible after-effects of the nation's foreclosure crisis - Homeowners who have been the innocent victims of the wrongful lockout and trash-out trend by large banks.

The term "trash-out" refers to the process that a bank follows when a property has been foreclosed to make the property more marketable after it's been taken by the bank. The growing problem during this foreclosure crisis had been that these trash-outs are occurring more and more frequently before the foreclosure has actually been properly completed, when the homeowner still has a right of redemption, or in the worst cases when the wrong home is trashed-out.

Considering only their bottom line, as large lending institutions most often do, they have automated the process and have been using contractors for trashing out. Documents are transferred and trash-outs are requested in a vacuum without sufficient consideration and detail to each individual case. Ironically, each case is as individual as cases get – there is little more personal than one’s home.

With Phillips’ input, Epstein rightfully drew the conclusion that to protect your home from a wrongful trash-out, you should post a notice on your doors that your home is not abandoned. Unfortunately, though, this highlights how far large lending institutions have dragged down our constitutional rights to be safe and protected in our own property. We suppose, though, that it is better to stick a notice in your door than to come home one day to find the entire insides of your home in a landfill as Chris Perry did.

Wrongful lockouts and trash-outs leave homeowners emotionally and financially drained. And, when dealing with large banks, homeowners often find that they can get no answers to solve their lockout problems. If you've been locked out of your home or your personal property has been "trashed-out" whether during foreclosure or by some other mistake of the bank, you have rights.

Big banks are taking full advantage of every right and wrong they have available to them, why shouldn’t you? If you have any questions, or have a story to share, contact Phillips & Garcia.