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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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The Nonprofit Alliance of Consumer Advocates and Consumer Defense Law Group Join Forces to Rescue Home from Foreclosure

Uniting for Homeowners: The Powerful Collaboration of The Nonprofit Alliance and Consumer Defense Law Group to Prevent Foreclosure

TORRANCE, CA, UNITED STATES, September 18, 2023 — In a remarkable turn of events, the Nonprofit Alliance of Consumer Advocates and the Consumer Defense Law Group have successfully assisted Rosa De Paz in escaping the clutches of foreclosure. Facing a looming foreclosure sale date of December 29, 2022, Rosa was burdened by a delinquent mortgage amounting to $75,631.21, with an interest rate of 7.375% and a monthly payment of $4,069.37.

The last response Rosa received from her lender was in August 2022, leaving her in a state of uncertainty and despair. Compounding her troubles, her income had been severely impacted by the Covid-19 pandemic. It was during this desperate period that Rosa sought help from the Nonprofit Alliance of Consumer Advocates, an organization dedicated to assisting individuals struggling with financial difficulties.

Recognizing the urgency of Rosa’s situation, the Nonprofit Alliance of Consumer Advocates swiftly partnered with the esteemed Consumer Defense Law Group. Together, they devised a comprehensive strategy to confront the foreclosure threat head-on.

Through their collaborative efforts, the Nonprofit Alliance of Consumer Advocates and the Consumer Defense Law Group were able to secure a remarkable outcome for Rosa. They successfully negotiated a zero out-of-pocket cost Loan Modification, resulting in a significant reduction in her financial burden. Rosa’s delinquent amount was completely eliminated. Her monthly payment was subsequently reduced to $3,788.25, providing her with much-needed breathing room to stabilize her finances.

Rosa De Paz expressed immense gratitude for the invaluable assistance she received from the Nonprofit Alliance of Consumer Advocates and the Consumer Defense Law Group. She remarked on their professionalism, dedication, and unwavering support throughout the challenging process. Rosa is now relieved and optimistic about her future, thanks to the collective efforts of these organizations.

The success story of Rosa De Paz serves as a testament to the power of collaboration and the positive impact that nonprofit organizations and legal advocates can have on individuals facing dire circumstances. The Nonprofit Alliance of Consumer Advocates and the Consumer Defense Law Group stand as beacons of hope for those navigating the complexities of the legal system in times of financial distress.

As the Nonprofit Alliance of Consumer Advocates and the Consumer Defense Law Group continue their mission to help homeowners in need, stories like Rosa’s will undoubtedly inspire others in similar predicaments to seek assistance and fight for their rights. The combined efforts of these organizations exemplify the vital role they play in safeguarding the well-being of homeowners and promoting social justice.

For more information about the Nonprofit Alliance of Consumer Advocates visit www.NACALaw.org or call 855-622-2435, please visit their respective website and explore the range of services they provide to those in need of legal and financial assistance.

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Another Home Saved: Zero-Cost Mortgage Solution by the Nonprofit Alliance of Consumer Advocates

Nonprofit Alliance of Consumer Advocates Halts Foreclosure, Secures New Terms to avoid Foreclosure

GLENDALE, CA, UNITED STATES, September 5, 2023 — In a remarkable turn of events, Noe Devora found himself facing the daunting prospect of foreclosure due to delinquent mortgage payments totaling $235,175.07, with a monthly burden of $4,713.73 at a 4% interest rate. However, his story took a positive turn when the Nonprofit Alliance of Consumer Advocates intervened and successfully led him out of the foreclosure abyss.

After years of uncertainty and searching for a lifeline to save his home, Noe Devora received a call back from Carmen Yanez, a representative from Nonprofit Alliance of Consumer Advocates. Recognizing the urgency of Noe’s situation, Nonprofit Alliance of Consumer Advocates swiftly stepped in to provide much-needed support.

Impressed by the organization’s reputation and track record, Noe conducted a Google search that revealed Nonprofit Alliance of Consumer Advocate’s stellar five-star reviews and an A+ rating from the Better Business Bureau. The organization had garnered widespread acclaim for its unwavering dedication to aiding individuals facing mortgage-related challenges.

Nonprofit Alliance of Consumer Advocate’s team of experienced volunteer advocates worked diligently to assemble the requisite documents and meticulously crafted a 501C3 loss mitigation package for submission to the lender. This package put their lender ‘On Notice’ and firmly demanded the cancellation of the impending foreclosure.

We are delighted to have helped Noe Devora achieve a brighter financial future, allowing him to remain in his cherished home.

J. Pepe DeLa Vega

Noe had been tirelessly seeking the best solution to retain ownership of his home. As the foreclosure deadline of 6/15/23 loomed ominously, Nonprofit Alliance of Consumer Advocates secured an extension, buying time to initiate a comprehensive loan modification process.

Through persistent communication with the lender, Nonprofit Alliance of Consumer Advocates achieved a remarkable feat by successfully halting the foreclosure proceedings. After an intense four-month effort by Nonprofit Alliance of Consumer Advocates, Noe was elated to discover that his delinquent amount had been zeroed out, and a loan modification had been secured at no out-of-pocket cost. Even more astonishingly, he got a sustainable payment, under the same favorable 4% interest rate.

“Noe’s case is a testament to our unwavering commitment to supporting homeowners in dire situations,” remarked J. Pepe DeLa Vega, a representative from Nonprofit Alliance of Consumer Advocates. “We are delighted to have helped Noe Devora achieve a brighter financial future, allowing him to remain in his cherished home.”

Noe Devora expressed his deep gratitude for Nonprofit Alliance of Consumer Advocate’s remarkable assistance. “I searched tirelessly for a solution online, and it was Nonprofit Alliance of Consumer Advocates that truly delivered the help I needed to keep my home. I am overwhelmed by their dedication and expertise. Whenever in the future I decide to refinance or sell my home I will without a doubt go to them first.”

For more information about Nonprofit Alliance of Consumer Advocates and the impactful services they provide, please visit www.NACAHelp.org or contact them at 855-622-2435.

About Nonprofit Alliance of Consumer Advocates:
Nonprofit Alliance of Consumer Advocates (Nonprofit Alliance of Consumer Advocates) is a renowned organization dedicated to assisting individuals facing mortgage-related homeownership preservation challenges and affordable housing. With a proven track record of success, Nonprofit Alliance of Consumer Advocates has earned a reputation for delivering effective solutions to homeowners in need.

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