Laws that Protect You

There are many foreclosure rights and consumer protection laws that are aimed at preventing the abuse of homeowners. Most of these laws regulate how home loans are originated. Homeowners facing foreclosure can take advantage of these laws because generally if you can prove that these laws were violated you can then obtain some sort of reprieve from the court, meaning something in between a temporary halt to the foreclosure up to rescinding the loan and therefore eliminating the basis for a foreclosure.

Homeowner & Foreclosure Rights

Real estate, finance and consumer law however is extremely complicated. We suggest that you use these sections to obtain a basic understanding of what laws and regulations exist to protect you, but that you consult an attorney or other professional regarding these matters to mount an effective foreclosure defense strategy. The Resources and Tools section provides information on attorney referral services and resources where you can continue to research these topics.

• Performing a Loan Audit
• Foreclosure Rescue Laws
• Predatory Lending
• Consumer Protection
• Fraud and Misrepresentation
• Unconscionability
• Duty of Good Faith and Fair Lending
• Fiduciary Duty
• Contract Claims
• Unfair and Deceptive Acts and Practices
• Racketeer Influenced and Corrupt Organizations Acts (RICO)
• Fair Housing Act
• Equal Credit Opportunity Act (ECOA)
• Home Ownership and Equity Protection Act (HOEPA)
• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)