When Lenders Violate the Law, We Fight Back
Wrongful foreclosure claims arise when lenders or servicers violate state or federal laws during the foreclosure process. We pursue damages, injunctions, and accountability.
Response within 24 hours
When Foreclosure Crosses the Line
Foreclosure is governed by a complex web of federal and state laws, regulations, and procedural requirements. When lenders or mortgage servicers violate these rules — whether through negligence, systemic shortcuts, or deliberate misconduct — homeowners have legal recourse. Wrongful foreclosure claims allow you to hold lenders accountable, stop improper sales, and recover damages for the harm caused.
The foreclosure crisis revealed widespread patterns of misconduct across the mortgage servicing industry: robo-signed documents, fabricated assignments, dual tracking, failure to honor modification agreements, and foreclosure despite active bankruptcy stays. Regulatory settlements have confirmed these practices, and courts have repeatedly held lenders accountable.
If your foreclosure involved any of these violations, you may have claims for wrongful foreclosure — and we can help you pursue them. Whether you're still in the home or the sale has already occurred, available remedies range from stopping the foreclosure to recovering damages, and in some cases, voiding the sale entirely.
Common Wrongful Foreclosure Claims
These are the violations we most frequently identify and pursue in wrongful foreclosure cases.
Dual Tracking
Simultaneously pursuing foreclosure while a complete loan modification application is under review — expressly prohibited by CFPB regulations. If this happened to you, you have a strong claim.
Missing Assignment Chain
Foreclosure by an entity that cannot prove it holds the note or has proper assignment. Broken chains of title, MERS discrepancies, and backdated assignments frequently undermine the foreclosing party's standing.
Robo-Signing & False Affidavits
Documents signed without personal knowledge, by unauthorized signers, or in assembly-line fashion without review. Multiple major servicers have admitted to this practice and paid billions in settlements.
Servicemembers Civil Relief Act (SCRA)
Foreclosure of active-duty military members without the court orders and protections required by the SCRA. This is one of the most serious violations a lender can commit.
Notice & Procedural Violations
Failure to provide legally required notices at each stage — breach letters, notice of acceleration, notice of default, and notice of sale. Missing or defective notices can invalidate the foreclosure.
Statute of Limitations
Foreclosure initiated after the state's statute of limitations on the debt has expired. In many states, if too much time has passed since the last payment or acceleration, foreclosure is time-barred.
Bankruptcy Stay Violations
Foreclosure continued or completed despite an active bankruptcy automatic stay. Violations of the stay can result in sanctions against the lender and damages to you.
Modification Agreement Breach
Lender agreed to a loan modification or trial payment plan, then foreclosed anyway despite your compliance. This is both a wrongful foreclosure claim and a breach of contract.
What We Can Recover
Wrongful foreclosure claims can produce meaningful remedies — financial compensation, injunctive relief, and in some cases, reversal of the foreclosure itself.
Actual Damages
Compensation for lost home equity, moving and relocation costs, increased housing expenses, damage to credit, and emotional distress caused by the wrongful foreclosure.
Statutory Damages
TILA provides statutory damages of up to $4,000 per violation for certain disclosure errors. RESPA and state consumer protection laws may provide additional statutory remedies.
Punitive Damages
For egregious or intentional misconduct — robo-signing schemes, deliberate SCRA violations, or fraudulent documentation practices — courts may award punitive damages.
Injunctive Relief
Court orders stopping the foreclosure process, canceling scheduled sales, or restoring possession of the property pending the outcome of your claims.
Sale Set-Aside
In cases of serious procedural defects or fraud, courts have the power to void a completed foreclosure sale and restore your ownership interest in the property.
Attorney's Fees & Costs
Many consumer protection statutes allow prevailing homeowners to recover their attorney's fees and costs, making it possible to pursue claims without out-of-pocket legal expenses.
Frequently Asked Questions
Common questions about wrongful foreclosure claims and your legal rights.
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