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Foreclosed CA homeowner gets a Trustee Sale Reversal and a Loan Mod thru the Nonprofit Alliance of Consumer Advocates

LINCOLN, CA, September 16, 2023 — Homeowner Daniel Reid, who realized his dream of homeownership on May 29, 2019, has successfully evaded a looming sheriff’s eviction, turning what could have been the end of a dream into a testimony of resilience and hope with a Trial Loan Modification offer. This life-changing turn of events was made possible through the decisive intervention of the Nonprofit Alliance of Consumer Advocates, a faith-based, not-for-profit loss mitigation legal clinic committed to preserving homeownership and promoting affordable housing.

Mr. Mitchell purchased his home on May 22, 2018, and later refinanced it on March 28, 2019. However, despite his best efforts, he faced significant hurdles when he received a Notice of Trustee Sale dated May 21, 2022. The situation escalated, and Robert found himself grappling with the harsh reality of a completed foreclosure Trustee sale on January 20, 2023, at 9:00 a.m.

Undeterred and determined to reclaim his home, Robert Mitchell reached out to the Nonprofit Alliance of Consumer Advocates. The organization swiftly sprung into action, leveraging its network of seasoned professionals to orchestrate a masterful strategy that culminated in not only reversing the already completed Trustee Auction Sale of Mr. Mitchell’s home but also successfully negotiating a VA Loan Modification offer.

On September 6, 2023, in a moment marked with relief and the promise of stability, Robert Mitchell received an awaited Permanent Loan Modification offer. This pivotal moment transformed what would have been an eviction notification into a beacon of hope, demonstrating the unyielding commitment of the Nonprofit Alliance of Consumer Advocates to turning around lives one homeowner at a time.

“The relentless efforts and the invaluable network of the Nonprofit Alliance of Consumer Advocates have not just saved another home, but have preserved the sanctity and the cherished memories built within its walls of our Clients Home,” Fernando Leone Esq, Senior Legal Services Director for the Faith Based Not for Profit Loss Mitigation Clinic.

This victory not only reinstates Robert Mitchell as a homeowner but also stands testament to the dedication and expertise harbored by the Nonprofit Alliance of Consumer Advocates in navigating the complex legal pathways, empowering homeowners with a second chance to rebuild their lives from a place of security and familiarity.

About The Nonprofit Alliance of Consumer Advocates

The Nonprofit Alliance of Consumer Advocates is a faith-based not-for-profit loss mitigation legal clinic. With a wide array of Foreclosure Defense and Wrongful Foreclosure Litigation Attorney relationships across the country, the organization is steadfast in its mission to assist homeowners facing foreclosure and eviction, guiding them back to safety through legal avenues available to them.

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Zombie Loan Busters: Nonprofit Alliance of Consumer Advocates Rescues Homeowner from Foreclosure Nightmare

A Tale of Redemption: How Urvin Garcia Escaped the Jaws of Foreclosure with the Help of Nonprofit Alliance of Consumer Advocates and Consumer Defense Law Group

LOS ANGELES, CA, UNITED STATES, March 6, 2024 — Urvin Garcia faced the daunting prospect of losing his home to foreclosure, burdened by a “Zombie Loan” with a staggering balance and interest of $279,198.81, accompanied by a hefty monthly payment of $1545. Faced with imminent foreclosure, Urvin was on the verge of selling his house after several unsuccessful attempts to secure assistance from various sources.

In a desperate search for a lifeline, Urvin discovered the Nonprofit Alliance of Consumer Advocates, an organization renowned for its commitment to helping individuals navigate mortgage challenges. Drawn by the organization’s stellar 5-star reviews and an A+ BBB rating, Urvin reached out to the Nonprofit Alliance of Consumer Advocates for help.

Undeterred by the imminent sale date in December 2023 and previous denial of a loan modification from his lender that seemed to be determined to foreclose, Urvin’s fortunes began to change when one of the Nonprofit Alliance of Consumer Advocates’ experienced advocates stepped in. This dedicated advocate meticulously gathered all the necessary documents and promptly submitted a comprehensive loss mitigation package to the same lender while demanding an immediate cease and desist on the entire foreclosure process including the scheduled Trustee Sale.

As a result of these efforts, the foreclosure date was successfully postponed providing Urvin with a crucial window of opportunity to explore other more aggressive alternatives to avoid foreclosure in the event his lender did not waiver from foreclosure. While his Lender began the mandated review of the Nonprofit’s Loss Mitigation Package as required by both State and Federal Law, Urvin was presented with every alternative strategy available to him in the event his lender’s final decision was another denial. Urvin was informed, educated and was referred to a Licensed Real Estate Professional, a Licensed Mortgage Professional and a Licensed Bankruptcy and Wrongful Foreclosure Litigation Law Firm for additional options. “Better to be overly prepared and not need it than to be underprepared and wished you had been” was what Urvin was told by the Nonprofit Senior Advocate assigned to Urvin’s File.

This philosophy turned out to be a fortunate Nonprofit Clinic practice for Urvin. The initial Loss Mitigation submission and subsequent appeal were eventually both denied by his lender, but Urvin already had additional options underway. In Urvin’s case he chose a Mortgage solution first, then a legal solution, and as a last resort to avoid losing his home to foreclosure he would elect a Real Estate Solution to at least salvage and protect his Equity if keeping his Home was not possible. His file was referred to all three, a Mortgage Direct Lender, a Real Estate Firm and a Law Firm while the lender was reviewing the Loss Mitigation File. In Urvin’s case the Mortgage resolution was quickly ruled out leaving only the Legal alternative and if that didn’t work, then as a last resort the Real Estate alternative. This is when Urvin elected to engage with the recommended Foreclosure Defense Law Firm Consumer Defense Law Group, PC.

Consumer Defense Law Group, PC promptly initiated legal action against the lender foreclosing on what is now commonly being called a ‘Zombie’ 2nd Trust Deed. In a remarkable outcome from Consumer Defense Law Group PC’s legal efforts, the Zombie 2nd Lender proposed an alternative to continued Litigation that included the approval of $176,828.56 in interest forgiveness and an additional $22,370.25 in principal reduction all in lieu of continued legal action. The $279,198.81 Notice of Trustee Sale was reduced down to $80,000.00. Even more of a blessing, Urvin was informed by the Nonprofit Alliance of Consumer Advocates processor that the same lender that was previously ready to foreclose on him would also offer a loan modification on the remaining $80,000.00 that was sustainable to Urvin.

Expressing his gratitude, Urvin Garcia attested to the outstanding service provided by both the Nonprofit Alliance of Consumer Advocates and Consumer Defense Law Group, PC. Their collaborative efforts not only halted the foreclosure but also secured substantial debt forgiveness, allowing Urvin to regain control of his financial future.

The Nonprofit Alliance of Consumer Advocates and Consumer Defense Law Group exemplify a commitment to empowering homeowners facing foreclosure, advocating tirelessly on their behalf, and achieving tangible, life-changing results.

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ANOTHER SUCCESSFUL SURPLUS TRUSTEE SALE REVERSAL ACCOMPLISHED BY CONSUMER DEFENSE LAW GROUP

BAKERFIELD, CA, UNITED STATES, December 5, 2023 — In a remarkable turn of events, Consumer Defense Law Group, has once again demonstrated its unwavering commitment to homeownership preservation and affordable housing with another reversal of a surplus trustee sale for Bakersfield resident, Victor Rodriguez.

In October 2017, Victor Rodriguez purchased his dream home at 2314 Lomita Verde Dr, Bakersfield, CA, for $159,000. However, the unforeseen financial turmoil caused by the pandemic led to Victor receiving a Notice of Default on August 22, 2022. Efforts to modify his loan terms, both independently and through a realtor, proved futile. Subsequently, a Notice of Trustee Sale was filed on March 13, 2023, and his home was sold at auction for $244,900 to a third-party bidder on August 28, 2023.

Despite the sale, Victor owed only $170,816 to his lender, including penalties and late fees, leaving a substantial surplus of $74,084. With numerous companies vying for the retrieval of these surplus funds, but offering no further assistance, Victor turned to the internet for help, leading him to the Nonprofit Alliance of Consumer Advocates.

Senior Advocate Sandra Skipper, with candor and compassion, informed Victor of the herculean challenge that lay ahead, likening the reversal of a 3rd Party Highest Bidder Trustee Sale Reversal to finding a needle in a haystack. With only a sliver of hope, the Nonprofit Alliance of Consumer Advocates referred Victor to Consumer Defense Law Group.

Through the Nonprofit’s referral, Victor engaged Consumer Defense Law Group (CDLG) on August 29, 2023. Working alongside this experienced wrongful foreclosure law firm, Victor was willing and ready to navigate through the complexities of consumer protection law to not only hopefully remain in his home until he can secure his excess surplus funds to possibly be able to obtain new affordable housing but also to allow Consumer Defense Law Group to find any possible violations of Consumer Protection Laws that may provide a chance to reverse the trustee sale.

In an extraordinary outcome, Case # BCV-23-103153, Victor very recently learned that his Trustee Sale was officially reversed. Then as a Cherry on top, the Nonprofit Alliance of Consumer Advocates facilitated a loan modification which was officially just approved on November 8, 2023. This outcome not only reinstates Victor in his home but also stands as a testament to the power of informed, compassionate advocacy in the face of adversity.

The Nonprofit Alliance of Consumer Advocates continues to shine as a beacon of hope for those facing similar challenges, reinforcing their mission to ensure that no individual should have to face the loss of their home alone.

For more information on the potential reversal process and other Homeownership Preservation and affordable housing services provided by the Nonprofit Alliance of Consumer Advocates, visit www.TrusteeSaleReversals.org.

For further detail about this Trustee Sale Reversal please lookup Case #: BCV-23-103153.

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Rescued from Foreclosure: Gary Hytrek’s Success Story with Nonprofit Alliance of Consumer Advocates

Gary’s journey of overcoming foreclosure, Nonprofit Alliance of Consumer Advocates and the California Mortgage Relief Fund step in to safeguard homeownership.

LANCASTER, CA, UNITED STATES, November 14, 2023 — Gary Hytrek, a homeowner facing the daunting prospect of foreclosure, has successfully emerged from financial turmoil thanks to the intervention of Nonprofit Alliance of Consumer Advocates. With 16 months behind on his mortgage, a delinquent amount of $22,404.89, and a monthly payment of $1,292.68 at an interest rate of 6.125%, Gary was on the brink of selling his home.

Frustrated and desperate, Gary’s fortunes changed when he received a flyer from Nonprofit Alliance of Consumer Advocates, boasting a stellar 5-star rating and an A+ Better Business Bureau (BBB) accreditation. Intrigued by the success stories and positive reviews, Gary reached out to Nonprofit Alliance of Consumer Advocates for assistance.

Recognizing the urgency of Gary’s situation, a dedicated and experienced volunteer advocate from Nonprofit Alliance of Consumer Advocates promptly gathered all the necessary documents and submitted a comprehensive loss mitigation package to the lender. The advocate demanded the cancellation of the impending foreclosure, utilizing Nonprofit Alliance of Consumer Advocates’s expertise to navigate the complex process.

Adding to the list of aids, Gary became a recipient of the California Mortgage Relief Fund, which facilitated the payoff of his delinquent amount. This crucial support allowed him to retain ownership of his home, sparing him from the distressing prospect of selling his cherished property to settle the loan.

Gary expresses his profound gratitude for the exceptional service provided by Nonprofit Alliance of Consumer Advocates. “I was about to lose my home, and Nonprofit Alliance of Consumer Advocates Law came to my rescue. Their team’s efficiency and dedication not only saved my house but also provided a lifeline during a challenging time,” said Gary.

Nonprofit Alliance of Consumer Advocates is renowned for its commitment to assisting individuals facing mortgage challenges, backed by a team of professionals and volunteers dedicated to ensuring fair and just outcomes for homeowners.

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Nonprofit Alliance of Consumer Advocates Saves Patricia Moran from Foreclosure: A Tale of Hope

Nonprofit Alliance of Consumer Advocates Rescues Homeowner Patricia Moran from Foreclosure, Providing a Lifeline for Families in Crisis

SAN JOSE, CA, UNITED STATES, October 30, 2023 — Patricia Moran, a homeowner facing the daunting prospect of foreclosure on her second mortgage, found a ray of hope when she turned to the Nonprofit Alliance of Consumer Advocates. After being 10 years behind on her second mortgage, facing a delinquent amount of $93,712.33 with a monthly payment of $632.60 and an interest rate of 4%, Patricia’s dream of keeping her home seemed bleak. However, thanks to Nonprofit Alliance of Consumer Advocate’s dedicated efforts, Patricia is now celebrating a victory over foreclosure, securing her future and her disabled adult son’s residence.

Patricia Moran’s story is a testament to the remarkable assistance provided by Nonprofit Alliance of Consumer Advocates. She initially believed that a previous bankruptcy had resolved her second mortgage, but her lenders suddenly decided to proceed with foreclosure a decade later, placing her in a precarious situation. With the threat of foreclosure looming, Patricia found a surprising ally in Nonprofit Alliance of Consumer Advocates, thanks to a recommendation from her attorney.

Upon contacting Nonprofit Alliance of Consumer Advocates, Patricia was quickly connected with Ulices Quintero, a compassionate advocate who understood the urgency of her situation. Ulices guided Patricia through the process, helping her gather all the necessary documents. The next step involved Kenia Banegas, another dedicated Nonprofit Alliance of Consumer Advocates professional, who meticulously assembled and submitted a loss mitigation package to the lender, while simultaneously demanding the cancellation of the foreclosure proceedings.

Through open and persistent communication with the lender, Nonprofit Alliance of Consumer Advocates successfully persuaded them to cancel Patricia’s foreclosure. In an incredible turnaround, after just two months of dedicated work, Nonprofit Alliance of Consumer Advocates helped Patricia achieve a zero-out-of-pocket cost loan modification. Her delinquent amount was reduced to zero, and her new monthly payment was fixed at an affordable $316.30, all at a 0% interest rate. This remarkable achievement not only allowed Patricia to remain in her cherished home but also offered her much-needed financial stability.

Patricia Moran expressed her gratitude, saying, “I cannot thank Nonprofit Alliance of Consumer Advocates enough for the incredible support they provided. They helped me when I needed it most and gave me a chance to secure my home and my family’s future. Their dedication and expertise are unparalleled.”

Nonprofit Alliance of Consumer Advocate’s work goes far beyond the financial aspects. They help families like Patricia’s maintain the stability they need to provide a safe and secure environment for their loved ones. This commitment to protecting homeowners from foreclosure and helping them stay in their homes is what sets Nonprofit Alliance of Consumer Advocates apart.

Check out what she had to say as Patricia left Nonprofit Alliance of Consumer Advocates a 5 Star Yelp review and recommended her daughter over to Nonprofit Alliance of Consumer Advocates to help with her home as well.

About Nonprofit Alliance of Consumer Advocates:

Nonprofit Alliance of Consumer Advocates is a dedicated organization committed to helping homeowners in need, offering expert assistance and advocacy to navigate the complexities of foreclosure and mortgage modification. Nonprofit Alliance of Consumer Advocate’s mission is to provide hope and support to families facing foreclosure, helping them maintain the stability and security of their homes.

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Nonprofit Alliance of Consumer Advocates Transforms Alva Hill’s Life, Saving Her Home from Foreclosure

Rescuing Dreams: Nonprofit Alliance of Consumer Advocates Saves Alva Hill’s Home from Foreclosure

LAS VEGAS, NV, UNITED STATES, October 25, 2023 — Alva Hill, a homeowner in Las Vegas, recently faced an overwhelming financial crisis, with a mortgage delinquency of 14 years, an outstanding amount of $75,645.85, and a monthly payment of $411.16 at an interest rate of 12.875%. She was on the brink of selling her beloved home due to a lack of viable solutions and was being relentlessly pursued by her lender for foreclosure over the last two years.

In a desperate search for help, Alva Hill turned to the internet for assistance and discovered the Nonprofit Alliance of Consumer Advocates, a highly reputable organization with a stellar track record, boasting five-star reviews and an A+ rating from the Better Business Bureau. Hope was reignited as Alva reached out to the Nonprofit Alliance of Consumer Advocates for help.

Nonprofit Alliance of Consumer Advocates immediately assigned one of their experienced volunteer advocates to Alva’s case. They diligently collected all the necessary documents and prepared a comprehensive loss mitigation package, which was promptly submitted to the lender. The package also included a firm demand to cancel the impending foreclosure.

Through persistent and skillful negotiations with the lender, Nonprofit Alliance of Consumer Advocates was able to secure Alva’s home from foreclosure. After four months of dedicated effort, they successfully orchestrated a zero-out-of-pocket cost loan modification for Alva, wiping out her delinquent balance and drastically reducing her interest rate. Thanks to their unwavering commitment, Alva’s dream of retaining her home became a reality.

Before discovering Nonprofit Alliance of Consumer Advocates, Alva Hill was on the verge of selling her home to settle her mortgage debt. However, thanks to the life-changing assistance provided by this nonprofit organization, Alva can now continue living in her cherished home.

Expressing her immense gratitude, Alva Hill shared, “I am so thrilled with the exceptional service I received from the Nonprofit Alliance of Consumer Advocates. They were my lifeline when I needed it the most, and I can’t thank them enough for saving my home.”

About Nonprofit Alliance of Consumer Advocates:

The Nonprofit Alliance of Consumer Advocates is a dedicated organization committed to helping homeowners facing foreclosure or financial crisis. With a team of experienced volunteers and a proven track record of success, they aim to prevent foreclosure and assist individuals in achieving sustainable mortgage solutions.

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