Mortgage Company Abuse Lawyers With Offices In Augusta, Dublin And Statesboro

Mortgage Company Abuse Lawyers With Offices In Augusta, Dublin And Statesboro

It seems that the more our government does to protect homeowners against unethical behavior by mortgage companies and their representatives, the more creative mortgage companies become at breaking the rules. The ongoing changes that were intended to protect us have made the law nearly impossible to understand for people who do not deal in it every day.

In many cases, this can put homeowners at a severe disadvantage because they never gain a complete understanding of their rights. Mortgage lenders prey on homeowners’ lack of knowledge about the law and use it to charge bogus fees, collect interest on homeowners’ payments that they have no right to collect and sell the homeowner products with terms that serve their own interests rather than the homeowner’s. These may include but are not limited to attorney fees, inspection fees and the creation of suspense accounts.

Take Action To Protect Your Rights

At the law firm of Claeys, McElroy-Magruder & Kitchens, our Augusta mortgage company abuse attorneys are strong advocates for the rights of homeowners. We help people understand the terms of their security deeds and notes, and fight for those who have been the victims of unethical and illegal practices by mortgage lenders and their representatives.

We have successfully resolved many different types of mortgage abuse matters for our clients, including the following:

  • Imposing “miscellaneous” mortgage fees
  • Ordering unnecessary inspections or collecting BPO fees for inspections that were not performed
  • Assessing document preparation fees for minor changes, including name changes
  • Charging attorney fees when they are not entitled to collect these fees under state or bankruptcy law
  • Initiating a wrongful foreclosure

How Mortgage Companies Use Suspense Accounts To Charge You Extra Money

Some lenders and loan servicers will place mortgage payments in a suspense account and charge additional interest and late fees even though you made your payment on time. When you inquire about your payments, the mortgage company says you are delinquent or late. This leads to other bogus or unauthorized charges.

The only way to uncover this type of activity is to get a transaction history that shows exactly what was done with each of your payments once the bank received them. We can help you submit a Qualified Written Request and take the appropriate steps to recover any fees you were required to pay as a result of the improper posting of your payments. The lessons you learn while working with our firm will serve you long after you receive your discharge. Knowing how to submit a Qualified Written Request and read a transaction history can help you to become your own biggest advocate.

Experienced Wrongful Foreclosure Attorney With Offices In Augusta, Dublin And Statesboro

Contact our office today to schedule a free consultation about your mortgage abuse concerns with an experienced Georgia lawyer. We have offices in Augusta, Dublin and Statesboro as well as a mobile office to serve you. We are available during regular business hours and by appointment evenings and weekends. For your convenience, we accept most major credit cards.

Call One Of Our Three Convenient Georgia Offices

Contact Us for a free consultation

Augusta: 706-724-6000

Dublin: 478-275-8311

Statesboro: 912-764-7000

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Medical Debt Relief Attorneys With Offices In Augusta, Dublin And Statesboro

Medical Debt Relief Attorneys With Offices In Augusta, Dublin And Statesboro

Health is one of those things that most people take for granted. No one expects to become ill, and few, if any, of us have plans in place in the event that an illness or injury should come about. Even with the health insurance provided by most employers, one illness can leave the patient holding responsibility for thousands of dollars in medical bills.

With most of us already living paycheck-to-paycheck, just one unexpected medical bill can put an otherwise financially stable family into severe financial distress. If medical bills are making it difficult for you to make ends meet, you should seek the advice of a reliable Georgia bankruptcy attorney who can help you understand your options for obtaining relief from your financial burdens. And, yes, your doctor will still treat you.

Helping You Find A Solution To Excessive Doctor Bills

At the law firm of Claeys, McElroy-Magruder & Kitchens, our Augusta medical debt relief lawyers help clients obtain debt relief through Chapter 7 and Chapter 13 bankruptcy. We understand the stress that can come with facing an illness suffered by you or a loved one, especially an illness that has such strong potential to impact you financially. You don’t have to go through it alone.

We look at all of your financial obligations and work with you to understand which ones are creating the most difficulty. We will advise you on the best approach to eliminating your debts and explain the advantages and disadvantages associated with each one. Our only concern is finding the best way to help you get the fresh start you deserve.

Dedicated Medical and Hospital Debt Lawyer With Offices In Augusta, Dublin And Statesboro

Contact our office today to schedule a free consultation with one of our lawyers about your medical debt concerns. We have offices in Augusta, Dublin and Statesboro as well as a mobile office to serve you. We are available during regular business hours and by appointment evenings and weekends.

Call One Of Our Three Convenient Georgia Offices

Contact Us for a free consultation

Augusta: 706-724-6000

Dublin: 478-275-8311

Statesboro: 912-764-7000

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Bankruptcy Attorneys With Offices In Augusta, Dublin and Statesboro

Bankruptcy Attorneys With Offices In Augusta, Dublin and Statesboro

If you are struggling financially, don’t feel like you have no control over the matter. While your mortgage lender and other creditors may be telling you that your only option is to get current on your debts or face legal action, they don’t have the final say. You do. At the law firm of Claeys, McElroy-Magruder & Kitchens, we help people resolve their debt problems and give them the fresh start they need.

We understand how difficult it can be when there isn’t enough money to pay your bills. You owe it to yourself and those who depend on you to explore all available debt relief options. Our Augusta bankruptcy lawyers take the time to review your situation, explain the different approaches you can take and give you our best recommendation regarding a solution.

Helping People Resolve Difficult Debt Problems

Each of our attorneys has a minimum of 15 years of experience representing clients in Chapter 7 and Chapter 13 bankruptcy filings. Our deep understanding of the bankruptcy laws and the options that are available to help you make a fresh start puts us in a strong position to develop a debt relief solution that fully accommodates your needs.

We know that no one ever intends to fall on hard times. In most cases, there has been some life-changing event such as job loss, unexpected medical bills, divorce or some other cause that has put an otherwise financially stable person into serious financial distress. You can rely on us to treat you with respect at all times and to find the right solution to help you regain control of your finances.

Experienced Foreclosure Lawyers With Offices In Augusta, Dublin And Statesboro

We also represent clients in a variety of mortgage abuse and foreclosure matters. We have extensive experience with these types of cases, and many of the cases we have won for our clients were used in the formulation of Georgia’s consumer protection laws involving the conduct of mortgage companies.

Discuss Your Legal Issue With One Of Our Georgia Attorneys

In addition to our bankruptcy practice, we also represent clients in the areas of family law and personal injury. We have offices in Augusta, Dublin and Statesboro as well as a mobile office to serve you. Contact our law firm today to schedule a free consultation with a lawyer. We are available during regular business hours and by appointment evenings and weekends. For your convenience, we accept most major credit cards.

Call One Of Our Three Convenient Georgia Offices

Contact Us for a free consultation

Augusta: 706-724-6000

Dublin: 478-275-8311

Statesboro: 912-764-7000

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.