Dear HomeOwner,

First and foremost, I want you to know that my office will treat you with respect and dignity.  We understand that you and your family may be  overwhelmed if you are facing foreclosure.  I want to stress that there are solutions.  There is hope.  Please visit all the websites and read through the articles which I reference below. 

Your peace of mind is important to me.  I cannot promise that you will keep your home.  However, I will evaluate your situation carefully and provide you with all of your options.  After a consultation, you will be able to make informed choices and gain a sense of control over your circumstances. 

Truthfully, some clients keep their homes.  Some clients sell their homes.  Some clients lose their homes in foreclosure.  But all of my clients are conscious of their rights and are able to make the best decisions in light of what they can control.  The most important piece of advice I can give any person who is facing foreclsoure is to become informed and to take action based on the best information available to them.  

Below I have listed some of the questions I commonly recieve.  The answers that I provide are in no way meant to be considered the legal advice I would offer in your particular circumstances.  The answers provided to my Frequently Asked Questions are general and in no way exhaustive, but they are a start.  I look forward to meeting you in person so that I may help you address your individual circumstances.  Please schedule an appointment and make sure that you complete my foreclosure questionnaire and bring all of your documents to your appointment so that your thirty minute consultation is as beneficial and complete as possible.

 Best wishes,

 Caroline Hernandez, Esq.

About Your Personal Consultation:

Before your consultation I highly recommend that you complete my foreclosure/loan modification questionanaire. The purpose of my foreclosure/loan modification questionnaire is to understand your particular circumstances.  It will get you thinking about questions you will want to ask and I strongly encourage you to write down your questions and have them ready for me.  It is easy to forget and this way you will be prepared for your consultation.  Please click here to obtain a copy of my Foreclosure and Loan Modification Questionnaire to complete for your consultation. 

My advice to you will be based on the information you provide me.  Among other things, it is important that I see the letters and notices that you have recieved from your lender.  Please click here to obtain a List of the Documents I recommend you bring to your consultation. 

My consultations last approximately 30 minutes.  The consultation is not free.  My consultation fee is $100.  Should you retain my legal services, that sum will be credited to your retainer with my office.  My fees are typically flat fees and they vary based on the services to be provided.  I offer reasonable payment plans and those arrangement will be stated in the retainer you will sign to retain my services and will detail the services to be provided in detail.

Need More Information?

Here are some websites where you can obtain additional information about foreclosure.  You need to be as informed as possible.

Websites:

Illinois Attorney General Lisa Madigan's site is a great resource to obtain information about predatory mortgage "rescue"  companies.  You can file a complaint online at this site if you have been a victim of a foreclosure scam. 

U.S. Department of Housing and Urban Development website has great information about Obama's Making Home Affordable Program and the Hope Program.  We can help you apply for this program and other such plans. 

Great articles:

Nine Options to Foreclosure.  You can ask us about the options you read about here.  These may or may not be viable options in your circumstances.

Escape your Foreclosure through a Short Sale, make an appointment to ask us how. Everyone will talk to you about this but do they know what it actually means and how it will affect you?

The sky is not falling the Foreclosure crisis is overblown.  Keep a positive attitude!

Foreclosure does not necessarily mean eviction.  Our office will work with your lender to find the best possible resolution to your situation.  Perhaps you don't have to face eviction.

There are many Ways to Stop Foreclosure and you can see us to determine if you can or want to keep your home.

There are many reasons why people end up in foreclosure and this article classifies them as Three types of Foreclosure.  Whatever the reason you are facing foreclosure, our office will help you decide what the best decisions you can make for your personal circumstances.

Attorney's Corner:

Help! I contacted a company that said they would help me reduce my mortgage payments right before the interest rate on my mortgage was to adjust.  They convinced me to stop making payments and now my mortgage company is threatening me with foreclosure.  I already paid their fee.  The “mortgage rescue company” claim to be working with my mortgage company to obtain a loan modification.  I don’t want to lose my home.  Now what do I do?

Sadly, we hear this every day all day.  You may have been scammed by a "mortgage rescue company".  First, begin to communicate directly with your mortgage company and carefully document your communication.  

Then gather all your correspondence, receipts and records of your dealings with this company.  We strongly ask you to consider filing a complaint with the Illinois Attorney General’s Office.  If your mortgage company offers you options, choose a path and work with them.

You may wish schedule a consultation with our office to have us assess your circumstances and determine which course of action best suits your needs.  We can help you weigh your options and make an informed decision. 

If we are retained to represent you then we will begin to work directly with your mortgagor to obtain a favorable outcome.  You will be kept informed of our work.  We don't make unreaslistic promises.  The final decision on your home will either be determined by your mortgagor or a judge. 

Our office will zealously advocate for your loan modification and present you to your mortgagor in the best possible light in order to have them consider a plan that will allow you to keep your home. 

Our office with be thorough, persistent and diligent.  We will work to provide your bank with all your information in a timely and organized fashion so they may make a decision on your home.  We will keep you informed of all our communications with your mortgagor and seek to obtain the best possible resolution for your circumstances. 

Whatever, course of action you decide, do not be discouraged or dissuaded.  Be patient and persistent. Whatever you do, take action!