Most areas of consumer law, including mortgage loans and credit cards, are heavily regulated. For example, lenders must follow detailed rules in connection with every facet of the lending process including solicitation, application, closing, servicing, and default. While Enright Law can handle any type of consumer rights claim, these are a few of the most frequent types:
Mortgage fraud: In the rush to hand out loans, mortgage brokers and lenders sometimes approve loans that are not in your interest, make fraudulent misrepresentations in the loan documents, or set loan terms that are unfair and oppressive. Lending is a highly regulated industry that I have spent years navigating. Trust me, I know from experience: the bank will have an army of attorneys that does nothing but defend against these claims. Don’t leave your claim in the hands of an inexperienced lawyer and expect to get results.
Loan Disclosures: When making certain types of loans, a lender is required to provide you with numerous disclosures that must be accurate. Whether through fraud or inadvertence, many of these lenders fail to provide accurate disclosures or otherwise comply with applicable state and federal law. Many of these claims carry multiple damages, reimbursement of attorneys’ fees, and in certain cases the cancellation of the debt. As a bank attorney, I defended against countless loan disclosure claims. Let me put that experience to work for you.
Fraudulent loan modification companies: Enright Law can assist you if you’ve given a loan modification company an upfront fee and it has failed to provide the services it advertised. Many of these companies take your money only to do nothing more than write a form letter and close their file. In my years representing banks, I’ve seen these fraudulent companies up close. Oftentimes, the bank will agree to consider a loan modification application but the borrower’s representative won’t return calls or return the application. Do not be a victim.
Foreclosure rescue schemes: Borrowers who are facing foreclosure are often the most vulnerable to predators. These scam artists will often contact you claiming they can help you refinance or obtain a loan modification only to have you deed away your house and strip all of your equity out of the home.
Unfair and deceptive practices: Many businesses, including contractors, for-profit colleges, and retailers use deceptive advertising or provide substandard goods and services. If you have been a victim of a business’s unfair act, we can demand reimbursement and damages, and file suit if necessary. I have years of experience defending unfair and deceptive practices claims and that experience will give you a distinct advantage when dealing with these businesses.
Loan servicing claims: Do you know who your mortgage holder is? Chances are, it’s not the bank to whom you send your checks or call with questions. Today, most loans are serviced by companies that don’t own your mortgage. These servicers are not equipped to properly handle your loan and are more likely to use deception or bullying tactics than work with you, their supposed customer. You have rights under myriad state and federal laws, including the Real Estate Settlement Procedures Act and Fair Debt Collection Practices Act. Having defended servicers against these types of claims, I am uniquely situated to get you what you deserve.
If you have been the victim of fraud or unfair business practices, you need a consumer rights attorney that will fight for you. You need an experienced lawyer that has seen these issues from the other side and can quickly get these companies to the table. You need Enright Law.