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• "I sent this letter certified after receiving the free guide [from] Phillips & Garcia P.C. Saved Foreclosure. Thanks a million!" A.D. from Colorado
• After seeing first hand what you are up against concerning the big banking companies, we are even more amazed that you are willing to fight the fight. The little guy needs your help and your fearless attitude. You are good people and true Americans. We are honored to be called your friends. R.R. - Mich., Lockout & Trashout Victim
• The attorneys were very professional and I felt as though they always had my best interest in mind. Without them I would have been pushed around and just another number to the bank. N.L., Wrongful Lockout Victim
• Thank you Mr. Phillips. If we hadn't found you the [Bank] would have foreclosed on our property and I can't imagine the misery that they would have caused. S.N. - Arizona

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I've received a late payment notice from my bank, but I am on time with my mortgage payments. Can they legally foreclose on my home?

A:

Legal foreclosure on your home cannot take place unless you fail to pay your mortgage payments as promised and you therefore "default" on your loan. However, the mortgage company could initiate a wrongful bank foreclosure if it believes you have defaulted, even if you have paid your mortgage payments on time. Wrongful bank foreclosures can occur through accounting errors or other paperwork mishaps such as an address being entered into a database incorrectly. 

These errors have greatly multiplied during the current real estate crisis. When a mortgage lender's books incorrectly show a late payment, you will receive a late payment notice. If your mortgage accounting records are not straightened out quickly, you may soon receive a letter from the bank demanding full payment of your mortgage under the acceleration clause, thus beginning the wrongful bank foreclosure process.

In other words, you will need to straighten out the bank's faulty record-keeping in order to avoid the continued process of a wrongful bank foreclosure.

Contacting a Massachusetts Wrongful Foreclosure Attorney

If you are unable to stop your lender from a wrongful bank foreclosure, it's important to act quickly. Contacting a Massachusetts wrongful foreclosure attorney immediately can help you straighten out any bank errors before a wrongful foreclosure is finalized. 

If you were already victimized by a wrongful bank foreclosure, you may have a claim upon which to seek justice through the courts.

The Massachusetts wrongful foreclosure attorneys at Phillips & Garcia will fight for your rights in your wrongful bank foreclosure case. We are committed to protecting your best interests and helping you move on with your life. If you have suffered a wrongful bank foreclosure, contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620.

Legal Help for Wrongful Foreclosure and Seizure in Any State.  Phillips & Garcia, P.C., a leading law firm in wrongful foreclosure and seizure cases, is now taking cases in any state where there has been a wrongful foreclosure, lock-out and trash-out of a borrower's home.  We are licensed in Massachusetts and associate with a qualified attorney in your state. 

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