Stop Foreclosure.
Protect Your Home.
Expert nationwide foreclosure defense and legal document preparation. We fight for your rights, prepare court-ready documents, and help you stay in your home — with over 30 years of experience.
Response within 24 hours
Not a Law Firm. A Legal Document Partner.
We don't charge attorney retainers. Our team of former attorneys and paralegals helps you prepare the exact legal documents you need to defend yourself in court — all in pro se.
File Your Case Against the Bank
Take the offense. File affirmative claims against the lender for TILA, RESPA, HOEPA violations, wrongful foreclosure, and unfair business practices. These claims create leverage for a stronger settlement.
Start Your CounterclaimRespond to Foreclosure Lawsuit
When the bank sues you, we prepare your Answer, Motion to Dismiss, and defenses. File your response within 20 days or risk default judgment.
Learn MoreFinancial Assistance
State grants up to $50,000, HUD payment supplements, partial lien programs, reinstatement loans, and hard money second loans.
Learn MoreComprehensive Foreclosure Defense Services
Forensic Loan Audits
Uncover TILA, RESPA, HOEPA violations, improper fees, securitization issues, and note holder problems that can invalidate the bank's claim.
Learn More →Loan Modification
Negotiate better terms, reduce rates from 5.5% to 3.5%, prevent balance inflation, and get payments as low as $847/month.
Learn More →Real Results
100,000+ homes saved, $80,000+ past dues waived, payments reduced up to 60%, rates lowered, and equity preserved.
See Success Stories →Post-Foreclosure Defense
Already foreclosed? Fight to rescind, convert to new loan, gain 3-9 more months, or maximize Cash for Keys offers up to $50,000+.
Learn More →Pro Se Document Preparation
Court-ready legal documents prepared by experienced professionals — filed in your name, defending your rights in court without an attorney retainer.
Learn More →Non-Judicial Foreclosure Defense
Stop trustee sales with emergency filings, NOD/NTS challenges, and verified lender documentation demands in all 31 non-judicial states.
Learn More →
Comprehensive Foreclosure Defense Solutions
Whether you're facing a judicial foreclosure lawsuit or non-judicial trustee sale, we provide the legal document preparation and strategic support you need to fight back.
Judicial Foreclosure Defense
Answer foreclosure lawsuits, prepare motions to dismiss, respond to lis pendens within critical deadlines.
Non-Judicial Foreclosure Defense
File wrongful foreclosure cases in state court with TILA, RESPA, HOEPA, and unfair practice claims.
Loan Modification Review
Audit bank submissions, prevent balance inflation, and negotiate better terms for reinstatement or modification.
Even After Foreclosure — Fight Back
Whether foreclosure is imminent, already occurred, or you're dealing with post-foreclosure issues, we have strategies to help you maximize your outcome.
Post-Foreclosure Defense
Fight to Rescind & Keep Your Home
Even after foreclosure has occurred, you may have legal options to challenge the process, dispute the loan, and potentially rescind the foreclosure.
- Disputing the loan & foreclosure
- Rescind foreclosure into new loan
- Resume payments & keep home
- Leverage for max Cash for Keys
Financial Assistance Programs
Government & State Programs
Access state grants, HUD supplements, reinstatement loans, and hard money second loans to get back on track — without Chapter 13 Bankruptcy.
- State grants & funds
- HUD payment supplements
- Partial lien programs
- Hard money second loans
All Programs We Help You Access
State Grants
Up to $50,000
HUD Supplements
31% of Income
Partial Lien
Deferred Balance
Hard Money Loans
Based on Equity
State-Specific Information
All 50 States + DC
Every state has different foreclosure laws. We provide detailed information for all 50 states and Washington DC, including whether your state is judicial or non-judicial, response deadlines, and county-specific data.
- Judicial vs Non-Judicial breakdown
- All counties listed by state
- Response deadline information
- Rate reduction (5.5% → 3.5%)
- Cash for Keys up to $50,000
Success Stories
30+ Years of Hope
We've helped 100,000+ homeowners keep their homes, reduce payments dramatically, and get back on their feet. From hospice patients to veterans, from cancer survivors to grieving families — we've been there.
Two Sides to Every Foreclosure Case
Whether you're being sued by a bank or fighting back with your own claims, we help homeowners prepare the legal documents they need to protect their home.
BANK vs. YOU
When They're Coming After You
The Foreclosure Lawsuit
In judicial foreclosure states, when you're 60+ days behind, the bank files a lawsuit against you. You'll be served papers — often at your home — and a Lis Pendens is recorded against your property.
- 1Served with Summons & ComplaintLegal papers delivered by process server or posted on door
- 2Lis Pendens RecordedCloud on title appears — signals pending foreclosure to buyers
- 320-Day Response DeadlineYou MUST file an Answer or risk a Default Judgment
If you don't respond within 20 days, the lender may obtain a default judgment, allowing the foreclosure to proceed. Filing a response in time protects your rights.
YOU vs. BANK/TRUSTEE
Fighting Back with Your Own Case
Your Counterattack
When you file your Answer, you can also include affirmative defenses and counter sue the bank. In non-judicial states, you can file your own civil case against the lender or trustee with powerful federal and state law claims.
- TILA Violations — Truth in Lending Act errors
- RESPA Violations — Improper servicing practices
- HOEPA Violations — High-cost mortgage abuses
- Loss of Equity Claims
- Unfair Business Practices
These claims can force the bank to the table, potentially dismiss the Lis Pendens, and lead to better settlement terms within 3 months.
Our Comprehensive Legal Support Services
Wrongful Foreclosure Cases
In non-judicial foreclosure states, we help you file your own civil lawsuit in state court against the lender or trustee. Your case challenges the bank's right to foreclose and seeks damages for their wrongful actions.
- File in county courthouse
- Contest the trustee's authority
- Stop the sale date
- Pro se representation support
Forensic Loan Audits
We perform comprehensive forensic audits of your loan documents. Our review uncovers violations, improper fees, securitization issues, and note holder problems that can invalidate the bank's claim against you.
- TILA/RESPA/HOEPA review
- Note holder verification
- Securitization chain analysis
- Excess fee identification
- Court-ready exhibits prepared
3-Month Settlement Goals
We work with a goal of reaching a settlement within 3 months. Our proposals outline specific outcomes: better loan terms, reduced balance, foreclosure rescinded, and a path to financial stability.
- Loan modification terms
- Balance reduction
- Foreclosure rescinded
- New payment plan
- Lis Pendens removed
- Fresh start credit path
Your Settlement Proposal Package
Once we complete your forensic loan audit and build your case, we prepare a comprehensive settlement proposal that includes all your legal claims, documented violations, and requested remedies. This is the document that gets presented to the bank to initiate settlement negotiations.
- Comprehensive Legal DocumentsAnswer, Motion to Dismiss, Counterclaims, Exhibits — all court-filed ready
- Forensic Audit ReportDetailed findings of all TILA, RESPA, HOEPA violations and fee abuses
- Settlement ProposalYour terms for resolution — modification, balance reduction, or reinstatement
- Litigation RoadmapStep-by-step strategy for your case with timeline and milestones
We help you prepare both — your Answer & Motion to Dismiss, plus your own case against the bank.
Settlement Timeline
Response Deadlines by State
Click your state to see exactly how long you have to respond. Meeting deadlines is essential to protecting your home.
Homeowners We Helped Save Their Homes
Every testimonial is from a real client who came to us facing foreclosure and left with their home protected. Names abbreviated for privacy.
"I was 4 months behind and had already received a sale date. The team at Professional Law Assist filed an emergency motion that stopped the auction, then negotiated a loan modification that lowered my payment by $700 a month. They saved my home and my retirement."
"After my wife lost her job, we were drowning. We tried working with the bank for months and got nowhere. PLA found TILA violations in our original loan docs and used them to force a real modification. Our payment dropped from $2,400 to $1,650. We still can't believe it."
"I had already lost my home when I found Professional Law Assist. They reviewed my case, found that the trustee had skipped required notices, and filed to rescind the entire sale. Six months later I was back in my house. These people are warriors."
"The audit they did on my loan was eye-opening — over $40,000 in improper fees and charges they'd hidden. That audit became the leverage we needed to settle with the bank for pennies on the dollar. I tell everyone I know about PLA."
"We were terrified when the foreclosure notice arrived. The team explained every step, prepared our Answer, and represented us in court. They treated us like family, not a case number. Our home is safe today because of them."
"I qualified for a $35,000 state grant I didn't even know existed. PLA handled the entire application and got me approved in 8 weeks. That money caught up all my missed payments and gave me a fresh start. Forever grateful."
How We Protect Your Home
A proven process that has helped thousands of homeowners nationwide.
Free Case Review
Fill out our form or call us. We listen, assess your situation, and explain your options in plain language.
Same DayDocuments Prepared
We prepare your Answer, Motion to Dismiss, and counterclaims — all court-filed ready.
3-5 DaysFiled & Served
We help you get everything filed with the court and properly served to opposing counsel.
1-2 WeeksSettlement Won
We negotiate with the bank to dismiss, modify, or settle your case favorably.
3-6 MonthsReady to Protect Your Home?
Every day matters when facing foreclosure. Get your free, confidential consultation and learn your options — no obligation.
Available Monday–Friday · 10:00 AM – 6:00 PM Pacific