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My husband & I had our loan modified where the interest was lowered for 5 years with a balloon payment due later in the loan. All interest & late charges were tacked on the back of the mortgage leaving us upside down. Our 2nd mtg was apparently sold to a collection agency and we haven't made payments for over 2 years. Now we're considering a real estate defense atty who reviewed our loan docs and advised that we may be in a predatory lending situation and can file a motion with the bank to cease and desist so that they can possibly get the principal reduced to current market value. Meanwhile, we're to stop making our monthly payments to the bank & pay the atty approx 1/3 of our current payment amount until the case is resolved. Is this legitimate and how successful is this process?