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Attyadvisor
Attyadvisor, Attorney
Category: Real Estate Law
Satisfied Customers: 6022
Experience:  28 years of experience in General Practice, Real Estate Law and Estate Law.
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I have had a loan with a bank for 15 years that started as

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I have had a loan with a bank for 15 years that started as 55,000.00-I have paid them for more than 15 years a total of more than $100,00.00 and I now owe them $74,000.00
They are now threatening foreclosure and refuse to give me the total amount I have paid across the 15 years if I don't agree to a new note for the $74,000. What are my rights in this situation -they tell me I don't have any because some of the payments were late and when they gave me my payment history, it appears that I had a construction loan instead of a mortgage

Attorney2 :

Hello and thank you for your question.

Attorney2 :

Do you have a copy of your loan documents?

Customer:

yes

Attorney2 :

Was this a construction loan?

Customer:

It was not supposed to be-it was to be a 15 year mortgage

Attorney2 :

I am thinking this may be mortgage fraud

Attorney2 :

You should have received a truth in lending statement showing the exact number of payments to payoff the loan and the total you would pay not including late fees

Customer:

They are threatening foreclosure -is there any way that I can get an injunction to stop foreclosure pending outcome any lawsuit I might file-they have refused to provide me the total amount paid across the life of the loan

Attorney2 :

Yes you can file for an injunction

Attorney2 :

I would also file a few complaints immediately

Customer:

I need an attorney that specializes in this type thing in Alabama-this is in Clarke County

Attorney2 :

Are you looking for a referral?

Customer:

yes-if possible

Attorney2 :

The terms of service agreement with the site will not allow a referral to a specific attorney. Let me put some information together for you that I can provide to assist you with finding the right attorney

Attorney2 :

Can I give you two links to file immediate complaints in the meantime?

Customer:

thank you-this has been very frustrating

Customer:

Absolutely

Customer:

Please provide the links

Attorney2 :

This is fraud!

Attorney2 :


File a complaint with the


Office of the Comptroller of the Currency US Treasury Department at


https://appsec.helpwithmybank.gov/olcc_form/


Alabama Attorney General at


http://www.ago.state.al.us/Page-Consumer-Protection-File-a-Complaint

Customer:

I will do these tonight

Attorney2 :

Please do, this is outrageous

Customer:

you were also going to give me some information to help me select an attorney

Attorney2 :

Hang on a moment while I put this together for you

Attorney2 :


Attorneys in your area that handle these matters


http://lawyers.findlaw.com/lawyer/practicestatecounty/foreclosure-alternatives/alabama/clarke



Alabama Bar Association Lawyer Referral Service at http://www.alabar.org/lrs/



Martindale Hubbell is an excellent site to look up attorneys and/or law firms that you may be interested in hiring. http://www.martindale.com/Products_and_Services/Peer_Review_Ratings.aspx

Customer:

Thank you so much for your help-I will rate you excellent

Attorney2 :

Thank you.

Attorney2 :

Please feel free to return to this question at any time with any follow up questions that you may have for me.

Attorney2 :


FBI


Phone: 1-800-CALLFBI (225-5324)

Customer:

I appreciate your help

Attorney2 :

Let me know what happens.

Customer:

I will

Attorney2 :

Good luck.

Attyadvisor and 7 other Real Estate Law Specialists are ready to help you
Thank you.

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