By Donna Steenkamp, Head of Research at Livinglies. Many homeowners believe that once a foreclosure is over, the only option left is to walk away. That isn’t always true. In some cases, a quiet title action can undo the legal damage of an illegal foreclosure. But in other cases, it fails—and can even make things worse. The difference is not…[...]Continue Reading
Foreclosure Defense Cost for Homeowners: What It Really Costs—and What’s Worth Paying For
Jan 27, 2026
One of the first questions homeowners ask when facing foreclosure is this: “How much is foreclosure defense going to cost me?” That’s the wrong question. The right question is: “What am I paying for—and what actually protects my home?” Because in foreclosure, the cheapest option is often the most expensive mistake. If you want the foundation first, start here: Foreclosure…[...]Continue Reading
discovery evidence expert witness Fabrication of documents foreclosure defenses Foreclosure Questions legal standing
Foreclosure Attorneys for Homeowners vs. Servicer Law Firms: Why the Playing Field Is Uneven
Jan 21, 2026
In the battle between the foreclosure attorney for the Homeowners vs the servicer many believe the courtroom is neutral. It isn’t. The foreclosure attorney for homeowners vs servicer law firms are not playing on an even field. In foreclosure litigation, there are two very different worlds colliding: Attorneys hired by homeowners trying to enforce the law High-volume servicer law firms…[...]Continue Reading
Most homeowners are never told this: Banks do not have unlimited time to foreclose. Every foreclosure case—judicial or non-judicial—is governed by a statute of limitations. That statute sets a deadline. Miss it, and the right to foreclose can be lost. Yet servicers routinely pretend the clock never started, was magically reset, or doesn’t apply to them at all. That’s wrong.…[...]Continue Reading
If you want a deeper walkthrough of the basics, start here: Foreclosure Defense 101. What Is a Non-Judicial Foreclosure? A non-judicial foreclosure is a foreclosure that happens without the lender filing a lawsuit first. Instead of starting in court, the foreclosing party relies on: a power of sale clause in a deed of trust a trustee selected by the foreclosing…[...]Continue Reading
By Donna Steenkamp One of the most common claims made in foreclosure cases is simple and dangerous: “We have the original note.” Judges hear it. Lawyers repeat it. Homeowners are told it ends the case. It doesn’t. That statement hides critical facts, ignores how modern mortgage transactions actually work, and often masks a complete failure of proof. The Myth of…[...]Continue Reading
Homeowners often hear “quiet title” and assume it’s a magic reset button. It can be. A quiet title action is a serious lawsuit about who legally owns the property. Used correctly, it can be powerful. Used incorrectly, it can get your case dismissed fast. This article explains, in plain English, what a quiet title action is, when it makes sense…[...]Continue Reading
If you’re behind on your mortgage or already facing foreclosure, it can feel like the bank holds all the power. But the truth is this: You still have rights. And you have more options than the servicer wants you to believe. This guide explains your strongest foreclosure defense strategies in 2025 — and how to get real help before it’s…[...]
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Introduction: You Have More Power Than You Think Most homeowners believe foreclosure is automatic once the bank starts the process. That’s exactly what the servicer wants you to think — because fear makes you easy to control. The truth? Foreclosure can be challenged. You still have rights. And with the right defense strategy, you can slow, stop, or even defeat…[...]Continue Reading
When a homeowner gets a Notice of Default, it feels like the ground just dropped out from under them. Servicers design these letters to scare you into silence. They want you confused, passive, and unsure of your rights. But here’s the truth: a Notice of Default is not the end — it’s the beginning of your opportunity to fight back.…[...]Continue Reading
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