The information contained herein is not legal advice nor is it intended to be.  It is information to help guide and direct you in representing yourself “Pro Se” (the act of representing oneself) should you so desire.  It is, however, always prudent to seek the advice of an attorney.

This publication provides information about foreclosure law.  Many people do not pursue their rights under the law as they do not have the ability to hire a lawyer.  The law and the courts have always allowed people to represent themselves as “Pro Se” litigants.  While not encouraged to do so, EVERYONE has their right to their day in court.

Legal information is not the same as legal advice.  The information contained herein and the laws applicable can and do vary from state to state and the circumstances surrounding the issues.

Laws are constantly changing and there is no guarantee that changes have not occurred.  The information contained here are accurate at this time, has been proven and upheld in various courts of law.  We cannot and do not guarantee your success or failure should you use any of the information given.   We do however, recommend you consult a lawyer if you want a professional opinion on any or all of the  information its validity and usefulness in your particular situation.

All case law quoted here is real and actual.  There may exist case law contrary to the ones quoted and this is a dilemma for attorneys as well.  Often times an attorney representing a defendant will have opposing counsel present different case history challenging yours.  It is then up to the judge or jury to decide which is applicable.

We provide you this information as a guide in providing you knowledge in representing yourself.  There are no guarantees that the information is relevant to your specific situation.  There is also no guarantee of your success in prevailing in your case should you decide to proceed.  Even attorneys cannot guarantee success on any case decided by a judge or jury. 

Representing yourself will require your time, your diligence and your patience. Representing and defending your case in court will prolong the process.  You must defend ourself either as Pro Se or through an attorney to avoid a DEFAULT.  A Default means you lose as you have not appeared nor posted a defense.

We sincerely hope this information is useful to you at this most traumatic time in life.