How It Works
We make foreclosure defense simple. Our step-by-step process gives you the legal documents and strategy you need to fight back — without expensive attorneys.
Response within 24 hours
Our 5-Step Process to Save Your Home
From your first call to settlement, here's exactly what happens when you work with us to fight foreclosure.
Free Case Review
Fill out our form or call us. We review your situation — whether you've been served or are facing default — at no cost.
Same DayDocuments Prepared
We prepare your Answer, counterclaims, motions, and forensic loan audit — all customized for your state and situation.
3-5 DaysWe Help You Get Filed & Served
We help you get your documents filed with the court (or start your civil case in non-judicial states) and then ensure the bank is properly served with process servers.
1-2 WeeksBank Responds
With legal exposure from your counterclaims, the bank must respond with counsel. They now face costs and potential damages.
2-4 WeeksSettlement Achieved
We negotiate to cancel auctions, rescind all notices, dismiss the foreclosure action, and restore your account — getting you back to where you were before any of this happened.
3-6 MonthsDifferent States, Different Processes
Every state handles foreclosure differently. We tailor our strategy to your specific state laws.
Non-Judicial States
24 states + DC
No court case required to foreclose. We fight back by filing our own civil lawsuit.
- •File civil lawsuit in county court
- •Serve bank with process server
- •Dispute all notices on title
- •Challenge bank's authority
- •Pursue settlement or trial
California, Texas, Arizona, Nevada, Colorado, Oregon, Washington, Utah, and more
Judicial States
26 states
Bank must sue you in court. You're served with a Complaint — we respond with your Answer and counterclaims.
- •Prepare your Answer to Complaint
- •File within 20-day deadline
- •Assert affirmative defenses
- •Counter-sue the bank in same case
- •Negotiate for dismissal & terms
Florida, New York, New Jersey, Illinois, Ohio, Pennsylvania, Georgia, and more
Critical: If You've Been Served
In judicial foreclosure states, you typically have only 20 days to file a written response (Answer) with the court. If you don't respond, the bank wins by default and can proceed with foreclosure. Contact us IMMEDIATELY.
What We Prepare For You
We prepare all the legal documents you need to fight back — no need to hire expensive attorneys.
Answer to Complaint
Your formal response to the bank's lawsuit — admits or denies each allegation.
Affirmative Defenses
Legal reasons why the bank shouldn't be allowed to foreclose.
Counterclaims
Your own lawsuit against the bank for TILA, RESPA, and other violations.
Motion to Dismiss
Ask the court to throw out the bank's case entirely.
Forensic Loan Audit
Comprehensive review identifying all violations and defects in your loan.
Exhibits & Evidence
Supporting documents, audit reports, and evidence to support your case.
Our Settlement Goals
Reduced Balance
Bank writes down what you owe to a sustainable amount.
Lower Payment
Negotiate reduced monthly payment you can afford.
Notices Rescinded
Foreclosure filings removed from public record and title.
Account Reset
Restored to "current" status as if you never missed payments.
Your Path to Resolution
Complete Goals
Notices Rescinded
Account Reset
Ready to Start the Process?
Don't wait until it's too late. Every day matters when you're facing foreclosure. Get the legal documents and strategy you need to fight back.
Get Your Free Full Case Review
Tell us about your situation — our senior legal team will review every detail and contact you within 24 hours with a tailored plan. No obligation. 100% confidential.
Submit Your Information
Tell us about your situation in complete confidence.
Case Analysis
Our legal team reviews your documents and foreclosure status.
Receive Your Strategy
We outline your best options and recommended path forward.
We Get to Work
Your dedicated team begins protecting your home and rights.