Was approved in writing for HAMP modification but given a NON-HAMP mod. instead.

I don't have enough information. Why was Hamp declined? Who handled your loan mod? Did they inquire why it was changed?

Can the servicer bank bring the foreclosure action against the borrower when the "owner" is Freddie Mac .

Unfortunately the courts in your jurisdiction have permitted this over and over again. Consult with an experienced real estate attorney to review...

Is a 2 year residential lease agreement, without subscribing witnesses legal in Florida ?

Yes. A lease does not require witnesses or notary. It is not a recorded document

Can a bank recover shortages from a foreclosure judgment obtained more than 5 years after the loan was first in default?

Have an attorney review it to see what can be done and negotiated

How do I find a foreclosure attorney. Do they charge a flat fee?

Yes most attorneys charge a flat fee. The most important thing is that you hire an attorney that represents you and finds a solution either loan...

We have received notice from a legal service who wants to revview our mortgage for errors to reclaim monies this is a 60/40

There are many fraudulent companies out there soliciting innocent people to get them into scams. Have an attorney review wherever you sign before...

How long after 5 yrs. of threats re: deficiency judgement, does the summons come to your door to finally sue you?

If your lender is trying to collect the balance on a deficiency you can negotiate with them

Yes of course

Should a person doing a short sale stop making payments?

Typically to apply for the short sale, the lender will have required you to have stopped paying the mortgage. Afterall you are stating to the...

I received a settlement offer from the Bank that accepted a short sale on my condo back in 2009. I am writing them back to ask

Is this a deficiency balance or a case of left hand doesn't know what the right hand is doing? You can negotiate deficiency balances with the...