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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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What if my lender violates the HAMP rules?

A:

If your lender violates Home Affordable Modification Program (HAMP) rules then you have a right to take legal action. This has been the case for a surprising number of homeowners who have been foreclosed on during the HAMP loan modification process.

At the moment, a California couple is suing Chase Bank for this very issue, and Bank of America is also facing a class action lawsuit for refusing to follow HAMP rules. The case with Bank of America relates to that lender's refusal to provide loan modifications under the government's HAMP program.

HAMP guidelines state that:

• Lending institutions must evaluate a borrower's request for a loan modification
• Lending institutions cannot process a foreclosure while the evaluation is in process

While Bank of America has failed to evaluate borrowers' HAMP requests, the case with Chase is because of foreclosure during the loan modification process.

What if my lender violates HAMP rules?

Because HAMP is a brand new program that was introduced by the Obama administration, there are still some issues that have to be worked out. But if your lender has violated HAMP rules, you may want to take legal action in order to protect your home and assets. The best thing to do is contact a wrongful home foreclosure attorney. An attorney with experience in wrongful foreclosure cases will investigate your claim, and tell you whether you have a legitimate wrongful foreclosure case.

Contacting a Massachusetts Wrongful Home Foreclosure Attorney 

If you are considering filing for a wrongful home foreclosure case but aren't sure how to proceed, contact the Massachusetts wrongful foreclosure attorneys at Phillips & Garcia to schedule your FREE legal consultation today - 1-877-892-5620.

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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