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497 Hooksett Rd. #105
 Manchester, NH 03104 
Phone: (603) 685 4301

Homeowners

It may feel like it, but you are not alone in having to deal with the possibility of foreclosure. Many, many others have had to face it as well. But not everyone knows how to fight against one. That's where Stellionata Consulting, LLC comes in.

You're having problems with your lender or mortgage servicer. You've suffered a financial setback due to job loss, medical issues, etc. The economy crash took you down with everyone else. You've sent your loan modification package information to them six times now. You've made your regular monthly payments and they're still telling you that you're behind. Somehow, despite having made payments for several years now, they say that you owe more than what you originally borrowed.

You've received notification that your note holder is going to begin the process of taking your home due to non-payment of your mortgage. Legally, the note holder has the right to take this action. But what if:

- the entity attempting to foreclose doesn't really own your loan?

- they don't have the right to foreclose?

- they didn't properly apply your payments? 

- you have begun the loan modification process and you're still receiving foreclosure notifications?

After all of this, you may be ready to just walk away from your property and let “the bank” take it back. Before you do that, please take the time to contact us. We may be able to help stop the insanity and possibly help keep you in your home..

Stellionata Consulting, LLC will provide a comprehensive analysis of the chain of title of your property. If your loan has been bundled up with thousands of other loans and led off to Wall Street for slaughter, otherwise known as the securitiztion process, we may be able to help you and your counsel understand the intricacies that exist and how best to present that information and any potential violations of law to a court. Any Assignments of Mortgage will be examined for multiple issues including accurate time line creation and notarization. Should it be obvious that your note has been securitized into a trust, you will be alerted to this. At this time, a discussion will take place as to the potential benefits of a securitization analysis of your note in order to further determine potential flaws in your chain of title.

As we are not attorneys, we are required to operate with the supervision of licensed legal counsel. If you have counsel, we are more than happy to work with them. If you need counsel, we may be able to refer you to a law firm whom we feel understand the complexities of foreclosure defense.

Usually at line item 25 in a New Hampshire mortgage, it is disclosed that you may be able to recover your legal fees. Essentially, if you have to either bring litigation against your lender and/or others associated with your mortgage or have to defend against legal action brought against you by them, and you are successful with your action, under NH RSA 361:C-2 you are entitled to recover reasonable attorneys fees. While it certainly is not a guarantee that you will recover the money you have to pay your attorney, it is possible, even if this information isn't disclosed in your NH mortgage. It may also be possible to recover your legal costs in other states, as well. The quickest way to find out may be to either read your entire mortgage or consult with a knowledgeable foreclosure defense attorney in your state.

So call us or click on the envelope at the top right of this page and send us email to get the process started. It costs nothing to talk to us. We will take a first look at your chain of title and other aspects of your situation, at no cost to you, to determine whether it may be worth your hard earned money to pursue a foreclosure defense.


Stellionata Consulting, LLC. Because there IS a rule book to play by.

 

Company Contact

Stellionata Consulting, LLC

497 Hooksett Rd. #105

Manchester, NH 03104

Phone: (603) 685 4301

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Chain of Title

A few years ago, there was a lot of media hype about "producing the original note." There was almost equal response from the mortgage/foreclosure industry that the original note wasn't important and that reasonable facsimiles that were attested to as being "true and accurate copies of the original" were/are good enough to demonstrate that the current "bearer" of the copy is the rightful note holder and, therefore, has title and interest in the promissory note and has legal standing to foreclose.

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