North Carolina Legal Aid - Mortgage Foreclosure Prevention

8/6/2019 North Carolina Legal Aid - Mortgage Foreclosure Prevention

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Mortgage Foreclosure Prevention

(LANC)

About us...The goal of LANC's Mortgage Foreclosure Prevention (MFP) unit is to keep working poor and workingfamilies in possession of their homes and their equity.

By providing quality legal representation in foreclosure actions, the MFP saves homes, preserves creditratings and strives to make prohibitive the cost of conducting business for the unscrupulous brokers andlenders. The MFP also promotes community education to increase awareness of home finance bestpractices and the dangers of predatory lending.

The MFP includes a "team" of attorneys and staff who are located in Legal Aid of NC (LANC) offices

and who specialize in foreclosure defense and predatory lending law. The MFP team acts on referralsfrom LANC offices and community organizations throughout North Carolina.

Home Defense Project (HDP)LANC's MFP team also collaborates with other legal services organizations to save homes and reduceforeclosures in North Carolina through the Home Defense Project (HDP). The HDP is a collaboration ofseven nonprofit organizations: Legal Aid of North Carolina (LANC), the NC Justice Center, LegalServices of Southern Piedmont, Pisgah Legal Services, the Land Loss Prevention Project, the FinancialProtection Law Center and the NC Housing Coalition. LANC and its legal services partners on the HDFuse their legal skills and resources to seek reasonable loan modifications and provide high-qualityforeclosure defense work in every county of North Carolina. In addition, the NC Justice Center (NCJC)

and the Financial Protection Law Center provide litigation support and analysis on impact cases. TheNCJC also assists with training and the implementation of best practices, tactics and strategies forindividual cases. The NC Housing Coalition designs and coordinates outreach and education in supportof the project by holding community forums to educate consumers, link them with legal advocates andengage community members in articulating policy solutions.

The Home Defense Project (HDP) is funded in part by a grant from the Z. Smith Reynolds Foundation.

Workshops/Clinics (announcements):Housing Assistance Workshop in Asheboro on April 9, 2011,

For immediate help with your foreclosurecall (toll-free):

Legal Aid of North Carolina: 866-219-LANC (866-219-5262)

ORHomeowner's HOPE Hotline: 888-995-HOPE (888-995-

4673)

LEARN PARTICIPATE GIVE

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7/17/2011http://www.legalaidnc.org/Public/Learn/Statewide_Projects/MFP/


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10:00 AM - 2:00 PM (Flier)

Housing Assistance Workshop in Greenville on April 2, 2011,11:00 AM - 3:00 PM (Flier)

In the News

"HUD Secretary Shaun Donovan on Residential Real Estate"

(March 30, 2011 article,Nightly Business Report, PBS)

"Faces of Foreclosure"(03/13/11 article, GreensboroNews & Record)

"Foreclosure crackdown irrational"

(November 17, 2010 The Chapel Hill NewsGuest Column by George R. Hausen, Jr.)

"Mortgage change sought"(October 18, 2010 article, The News & Observer)

"When paying the mortgage is not enough"

(September 5, 2010 article, The News & Observer)

"Goal is to keep houses occupied"

(January 23, 2010 Winston-Salem Journal article)

foreclosureepidemic (media release, January 7, 2010)

"Help for saving homes"

(September 20, 2009 article,News & Observer)

"Foreclosures in NC skyrocketed to record levels"(article, Asheville Citizen-Times, January 5, 2009)

"Stung by a middleman, Bad service."(article, Independent Weekly, March 12, 2008)

Attorneys volunteer to help low-income families with mortgageforeclosure defense (media release, March 5, 2008)

Foreclosure crisis worsens in January"

(News 14 Carolina, March 4, 2008)

Z. Smith Reynolds Foundation supports fight against predatory lending(media release, January 22, 2007)

"Reynolds Foundation grant aims to help Legal Aid combat abusivemortgage-lending practices"(Philanthropy Journal article, March 14, 2006)

Z. Smith Reynolds Foundation continues fight against predatory




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lending (media release, January 10, 2006)

Publications"Mortgage Foreclosure Prevention" (pdf document)

...A tri-fold brochure that describes LANC's Mortgage ForeclosurePrevention (MFP) unit, a special, statewide project of Legal Aid of NorthCarolina (LANC). The goal of the MFP is to keep working poor

and working families in possession of their home and theirequity.

Consider the following: Are you in a worse financial situation than before refinancing or

taking your second mortgage?

Were you promised one mortgage/loan and found out that yougot a different mortgage/loan when you signed the paperwork,or later?

Do you have an unreasonably high payment due at the end of or

during your mortgage/loans term?

Is your monthly payment or interest rate higher than you thoughtit would be?

Were there a lot of fees included in your mortgage/loan?

Did you have high closing costs when you signed for yourmortgage/loan?

Did you complete the paperwork before signing themortgage/loan paperwork?

Did your lender include information in your mortgage/loanpaperwork that was not truthful?

Did you find your mortgage/loan confusing and not have anyoneyou could trust to explain it to you?

Did you get a second mortgage/loan for home improvementsthat were incomplete or done poorly?

Does your mortgage/loan include very high insurance payments?

Are you going to be fined or charged prepayment penaltiesincluded if you pay off your mortgage/loan early?

Was your mortgage/loan refinanced or changed to anothercreditor without your knowledge or consent?

If you answered "yes" to any of these questions you may have been the victim of an impropermortgage/loan. If you are concerned of this please gather your paperwork and call your local LegalAid of North Carolina office for assistance.




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MFP Team StaffJohnnie Larrie, Esq., Project Leader, MFPMFP staff attorneysLANC staff attorneys (LANC offices)[The Mortgage Foreclosure Prevention unit includes a "team" of attorneys and staff who are located inLANC offices across North Carolina and who specialize in foreclosure defense and predatory lending

law.]

Hazel M. Mack, Esq., Project Director, Home Defense Project (HDP)

Contact InformationIf you think that you might be at risk of foreclosure...or think something wasn't right about the closingon the purchase or refinancing of your home, then you may have been a victim of an improper mortgageor loan. To discuss your concerns, call your local Legal Aid of North Carolina office.

Disclaimer

The materials contained on this website are for information and educational purposes only and do notconstitute legal advice. Also please note that Legal Aid of North Carolina does not provide legalassistance by E-mail. Contact your Legal Aid of North Carolina office or a private attorney if you needto speak to an attorney regarding your particular situation.See our complete disclaimer.Mission StatementLegal Aid of North Carolina is a statewide, nonprofit law firm that provides free legal services in civilmatters to low-income people in order to ensure equal access to justice and to remove legal barriers toeconomic opportunity.

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GET LEGAL HELPEn Espaol

Self-Help Resources at LawHelp/NC

Mortgage Forclosure Prevention (MFP)Consider the following...

About us

Home Defense Project (HDP)- Workshops

Contact a LANC Advisor

Tax Assistance

Mortgage Foreclosure Assistance




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In the News

Publications

MFP Team Staff

Contact Information

LANC Offices

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Contact UsIntranetDisclaimerPrivacy PolicyLegal Aid of North Carolina, 224 S Dawson St, Raleigh NC 27601; 919.856.2564


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North Carolina Legal Aid - Mortgage Foreclosure Prevention