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Foreclosure Defense Attorneys in Tulsa, Oklahoma
Receiving a foreclosure notice is one of the most frightening moments a homeowner can face. Your home represents everything you've worked for — and when a mortgage servicer threatens to take it, the fear and anxiety can be paralyzing. But a foreclosure notice is not the end. In many cases, especially where the foreclosure is driven by your servicer's own errors or misconduct, it is possible to stop it. We have spent decades fighting wrongful foreclosures in Tulsa and across Oklahoma, and our results — including a $2.75 million settlement in a wrongful foreclosure case involving a paid-off mortgage — reflect what aggressive, experienced representation can accomplish.
If you have received a foreclosure notice, time is critical. Contact us immediately — the earlier we can evaluate your situation, the more options you have.
Many Foreclosures Are Wrongful:
Not every foreclosure is legitimate. We have represented homeowners whose servicers initiated foreclosure proceedings despite:
The mortgage having already been paid off in full
Payments being made on time but misapplied or lost by the servicer
Loan modifications being approved but never properly processed
Forbearance agreements being ignored after the forbearance period ended
Bankruptcy discharge orders being violated by continued collection and foreclosure activity
Errors in the transfer of the loan from one servicer to another resulting in lost payment history
Escrow miscalculations creating artificial shortfalls the servicer then used to declare default
In every one of these situations, the foreclosure was the servicer's fault — not the homeowner's. And in every one of these situations, the homeowner had legal recourse.
How We Help:
When you contact us about a foreclosure, we begin by reviewing your loan history, your servicer's records, and the circumstances that led to the foreclosure proceeding. We look for errors, violations of federal law, and procedural defects in the foreclosure itself. Depending on what we find, we may be able to:
File a lawsuit to stop or delay the foreclosure and bring the servicer to the negotiating table
Challenge the servicer's standing to foreclose or the validity of the foreclosure proceedings
Pursue claims under RESPA, the Fair Debt Collection Practices Act, and other federal statutes
Negotiate a loan modification, repayment plan, or other resolution on your behalf
Seek damages for wrongful foreclosure, wrongful debt collection, and related harm including credit damage
Mortgage litigation — filing a lawsuit against your servicer — can be a powerful tool. It forces the servicer to respond, creates leverage for negotiation, and in cases of clear wrongdoing can result in significant damages. Our $2.75 million settlement arose from exactly this approach.
What to Do Right Now:
If you have received a foreclosure notice or believe your servicer is moving toward foreclosure, take these steps immediately:
Do not ignore any notices — deadlines in foreclosure proceedings are real and missing them can eliminate your options
Gather all documents related to your mortgage — your note, deed of trust, payment history, correspondence with your servicer, and any loan modification agreements
Write down a timeline of events — when you made payments, when you contacted the servicer, what they told you, and when the problems started
Contact us immediately — the sooner we evaluate your situation the more we can do
Case Results:
$2.75 Million — Settlement — collection abuse and wrongful institution of foreclosure on a paid-off note and mortgage.
$1 Million — Settlement — wrongful denial of permanent mortgage loan modification and wrongful collection.
$880,000 -- judgment following jury trial in May v Nationstar Mortgage LLC. Nationstar sought to collect 2,000 as “corporate advances” after borrower completed Chapter 13 plan and thereafter failing to correct its admitted error. Verdict was for invasion of privacy and violation of the Fair Credit Reporting Act.