NACA LAW
855-622-2435
Wrongful Foreclosure Case Evaluation
IF YOU ANSWER YES TO ANY OF THE FOLLOWING QUESTIONS YOU MAY HAVE A LEGAL CAUSE OF ACTION AGAINST YOUR CURRENT LENDER THAT COULD FORCE AN ACCEPTABLE SETTLEMENT FOR WRONGFUL FORECLOSURE.
1. Your lender initiated or advanced the foreclosure process while reviewing you for a loan modification and or the sale of your home?
Yes
No
Not Sure
2. Did your lender tell you to get behind on your mortgage payments otherwise they would not consider you for home loan assistance.
Yes
No
Not Sure
3. Your Lender denied your loan modification application without a written explanation and/or a 30-day opportunity to appeal?
Yes
No
Not Sure
4. Lender made & broke a promise, and/or told you that they did not receive a document in time or not at all, yet you have the evidence that you did send it & you were told that you did not qualify for a loan modification.
Yes
No
Not Sure
5. Your lender told you that they never received "any" or "a" document prior to a "deadline" yet you have proof of faxing, mailing or emailing the document!
Yes
No
Not Sure
6. Your lender passed you from one person to another without providing a single point of contact to assist you, or the designated representative failed to provide their contact information including email address & phone extention.
Yes
No
Not Sure
7. Your old or new lender canceled, revoked or took away or prior modification you had been paying on.
Yes
No
Not Sure
8. Your lender transfered your loan to a new loan servicer who later rejected the terms and/or payments after a transfer of a loan or a modification from a prior lender or loan servicer was in place.
Yes
No
Not Sure
9. Your lender or servicer changed a term of your loan modification after it was accepted.
Yes
No
Not Sure
10. Did your lender or servicer charge a fee for paying off the previous loan like payment or a prepayment penalty fee but was not in your contract?
Yes
No
Not Sure
11. Did your lender or servicer charge you strange unreasonable fee's or charges when they should not have?
Yes
No
Not Sure
12. Your loan may have been transfered from one investor to another with faulty paperwork.
Yes
No
Not Sure
13. You feel that you were given a predatory loan at origination.
Yes
No
Not Sure
14. You feel your lender may never have presented your request for assistance to the investor.
Yes
No
Not Sure
15. You feel you can sustain a reasonable re-structured loan but your lender will not assist you.
Yes
No
Not Sure
Pre & Post Trustee Sale Legal Services Menu
Please identify which service(s) are of interest to ensure proper staff notification
1. Trustee Sale reversal lawsuit.
Yes
No
Not Sure
2. Free Loan Modification assistance if your Trustee Sale is Reversed.
Yes
No
Not Sure
3. Sale or Refinance of a different property to Buy Back Foreclosed Property.
Yes
No
Not Sure
4. Court ordered temporary restraining order to stop the Finalization of the Trustee Sale.
Yes
No
Not Sure
5. Chapter 7 Bankruptcy to dissolve remaining Consumer debt.
Yes
No
Not Sure
6. Unlawful Detainer – Eviction legal Representation
Yes
No
Not Sure
7. Wrongful Foreclosure Litigation for Damages
Yes
No
Not Sure
8. Trustee Sale foreclosure equity protection & Expedited Release
Yes
No
Not Sure
9. Credit Litigation to remove Foreclosure off Credit Profile
Yes
No
Not Sure
10. Family gift of equity “Purchase” for New Home Loan on the same or different property.
Yes
No
Not Sure
11. Repurchase of same or different property using your surplus funds.
Yes
No
Not Sure
12. Relocation Assistance 12 into Lease or Rental.
Yes
No
Not Sure
Financial Quick Form
1. Name of Home Owners employer
2. Yrs Worked
3. Wk#
4. Additional Home Owner’s Name
5. Additional Home Owner’s Employer Name
6. Yrs Worked
7. Wk#
8. When did you purchase this property?
9. Original term of existing Loan (select one)
30 yr fxd
2/28
3/27
5/25
7/23
Neg Am
10. Variable Rate Increase Date
11. Loan term(years)
12. What was the total gross monthly income(s) when you received this loan?
13. When did you acquire the existing loan?
14. What consumer credit obligations did you have when you received the loan? i.e. Credit cards, student loan pmts, Auto loans
15. What was your credit score when you received this loan?
16. Yours Mid score
17. Co-x Mid score
Borrower Information
18. Borrower's Name
19. Home Phone Number
20. Cell Phone Number
21. Home (Street Address)
22. Home (Ciry-ST-ZIP)
E-mail Address
Subject Property (Street Address)
Subject Property (Ciry-ST-ZIP)
23. Current Property Value
24. Property Tax Monthly Payment
25. Home Owners INS. Monthly Payment
26. HOA Fees
27. Current Balance 1st TD
28. 1st P & I Payment
29. Current Balance 2nd TD
30. 2nd P & I Payment
Monthly Expenses
1. Rents
2. Home Repaires
3. Property Taxes
4. Home Owners Insurance
5. Association MNTLY PMT
6. Other / MOT / INST
7. Child Care
8. Auto Loan
9. Auto Insurance
10. Medical / DR. Bills
11. Hospital Bills
12. Health Insurance
13. Life Insurance
14. Cell Phone
15. Telephone
16. Gas & Heating
17. Electricity
18. Tresh & Sewer
19. Food
20. Water
21. Transp / Gas / Bus Fare
22. Cable / Satellite
23. Clothing
21. Laundry / Dry clean
22. Other
Income Net Gross
1. Borrower's Monthly Income
2. Co-Borrower's Monthly Income
3. Child support/Alamony
4. Rental
5. Social Security
6. Pension/Retirement
7. Others
Questions
1. Have you made this month's FULL MORTGAGE payment to your Lender yet?
Yes
No
May be
2. Are you able next month FULL MORTGAGE payment if required?
Yes
No
May be
3. Could you prove you could have made your modified payment for every missed month?
Yes
No
May be
4. If not, can you show at least 4 months of modified payment for every missed month?
Yes
No
May be
5. You would be willing to re-purchase home back from existing lender?
Yes
No
May be
6. You would be willing to execute a short term bridge loan if available to you?
Yes
No
May be
7. You would be willing to use and aggressive legal process to invalidate or rescind default?
Yes
No
May be
8. Has lender formally initiated foreclosure process? (i.e. Notice of default or notice of sale?)
Yes
No
May be
9. You would be able to reinstate your loan if it could be properly restrucred?
Yes
No
May be
10. You filed more than one bankruptcy in the last 12 months?
Yes
No
May be
