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The Holland Law Firm, P.C.

Criminal Records Identity Theft – What Does it Entail?

Wrongful Foreclosures

Amazing as it may sound, banks have actually foreclosed against people who are not in default. Wrongful foreclosures can arise in a variety of situations, in particular:

  • “Dual Tracking” – where foreclosure and mortgage modification go ahead at the same time, so that if the modification is denied, the consumer has no opportunity to avoid foreclosure through other means.
  • Encouraged defaults – where the consumer was told by their mortgage servicer that they had to default on the mortgage in order to get a mortgage modification
  • Mistaken foreclosure – where the consumer never defaulted on the mortgage or did not have a mortgage at all
  • Lack of standing to foreclose
  • Violating a Mortgage Modification agreement