You have rights in any foreclosure action taken against you. 

Some states require what is called “Judicial Foreclosures” which means they have to file a case in court against you, have you served with a summons and then have the case heard in front of a judge.

Other states require what is called “Non Judicial Foreclosures” which means they do not have to take you to court, they are required to simply notify you of a sale date - usually giving you 20 days notice – then simply sell your house at auction.

The foreclosure action against you may be illegal!

Many judges around the country are DISMISSING foreclosure cases.  Yes, they are throwing the cases out because they are illegal.  Many lawyers representing the lenders are being accused of “Fraud Against the Court”.

“TWO WRONGS DON’T MAKE A RIGHT”

You may be delinquent in your payments

But

That doesn’t mean you should lose your home wrongfully

You do owe the money to someone.  Someone did loan the money to you to purchase your home with.  They rightfully should get repaid.  They should get repaid “rightfully” not “WRONGFULLY”.

Two wrongs don’t make a right.  You broke no law by not being able to make your payments but your foreclosure law suit may be breaking the law.

There are laws in place that everyone should follow…even the lenders

Foreclosures are governed by State law.  Every state has its own laws on how someone can foreclose on your home. 

There are two basic types of foreclosures:

JUDICIAL:  In a judicial foreclosure, the party foreclosing on you MUST take you to court and get the court to grant them the foreclosure.  In some Judicial Foreclosure states, the court can award the owner of your note a “judgment” meaning you will legally still owe money on your home even after you have lost it.  Some states do not allow this and foreclosure can end your debt.

NON JUDICIAL:  In a non judicial foreclosure, the state allows your note owner to simply notify you of the sale of your home at auction.  Usually they must give you at least 20 days notice.  They do not have to take you to court and do not have to have a judge approve or grant the sale.  Even thought there is no court hearing for the foreclosure, you can still defend this action legally in a court of law.  You will have to take the initial action and by doing so, CAN STOP THE SALE!

Don’t give up without a fight

Most people just give up when noticed that the foreclosure action, either judicial or non judicial, is being taken.  The attorneys representing those foreclosing on you are betting on that.  It makes it easy for them.  They file or notice the action follow a few simple court procedures and then move forward.

Some of the procedures they follow may not be correct or accurate, BUT, if YOU ARE NOT THERE to defend yourself, IT DOESN’T MATTER!

You need to be there to defend yourself!  You need to point out to a judge where the errors are and why the attorneys on behalf of their client needs to correct it BEFORE the judge can rule in their favor.

OFTEN, by doing so, the judge rules in YOUR FAVOR and can dismiss the case altogether.  Sometimes the judge can dismiss it in a way that they can never come back and try to foreclose on you.  This is called Dismissing “With Prejudice”.

Proper legal advice should always be sought

You have access to the law

Every court has a law library.  The clerk of the court cannot and will not offer you any legal advice.  They cannot do so by law.  What they will do is direct you to the law library, usually located in the same building. 

There you will find hundreds of law books.  The same that lawyers and judges use.  You can look up the laws pertaining to foreclosure, different case studies and decisions made.  But, this is difficult and even more intimidating then the court room itself.  There are hundreds of books with thousands of pages.  Where do you look?

What TheForeclosureDetonator CAN do for YOU

TheForeclosureDetonator offers you the basic knowledge and information you need to begin your own defense to stop your foreclosure.  TheForeclosureDetonator DOES NOT offer legal advice.  TheForeclosureDetonator IS NOT a law firm or able to give advice.

TheForeclosureDetonator DOES offer you the information, case studies, judges rulings and various laws – all pertaining to foreclosure.  Armed with this information and more that you will get in your own research, you will be better prepared to defend your foreclosure action in court.

TheForeclosureDetonator will remove some of your fear and intimidation about courts, legal documents and judges sitting high above a court room.  TheForeclosureDetonator will begin to teach you what others have and are doing.  References to actual cases.  Actual court rulings by actual sitting judges. 

See how one judge in Ohio DISMISSED 26 foreclosure cases all in one day because the filings were not proper.  LEARN WHY THEY WERE NOT.

You have the RIGHT to defend yourself

The laws of the land GIVE YOU the right to defend yourself.  You don’t need a lawyer to do so, even though it is always best to have one if you can afford one.  But realistically, we can’t always afford one and the courts know that. 

That is why we, as citizens, have THE RIGHT to defend ourselves with or WITHOUT an attorney.

You cannot represent anyone else in a court of law without being a licensed attorney and admitted to the bar association of the state you want to practice in.  You CAN represent yourself WITHOUT being a licensed attorney. 

The information is out there.  The law libraries are out there.  The internet makes more available to everyone.

TheForeclosureDetonator has done the research.  TFD will teach you where to go, where to look, what to ask and even how to do it.

TheForeclosureDetonator will help REMOVE the fears of legal actions, court rooms and judges.

TheForeclosureDetonator will give you the INFORMATION you need to get started defending your foreclosure. 

TheForeclosureDetonator will teach you why many foreclosure actions and filings are NOT LEGAL.

TheForeclosureDetonator will show you why judges are dismissing foreclosure cases all around the country.

NO, THIS IS NOT EASY and IS VERY EMOTIONAL.  TFD can help you understand more and minimize some of the fear and emotion.  We can’t eliminate it.  IT IS UP TO YOU TO TAKE ACTION.

You should defend yourself

Never give up.  Never give up without a fight.  Two wrongs DON’T make a right. 

 Make the law work FOR YOU not just against you. 

The laws are being abused.  Fight back.  The economy is a shambles and those trying to foreclose on you illegally have made billions of dollars NOW THEY WANT you home too.

DO NOTHING AND JUST WALK AWAY

Do you really want to lose your home?

We can’t guarantee that you won’t.  There are never any guarantees when you go to court.  Many who are right often lose.  Even the BEST attorney in the land CANNOT guarantee success.

What you CAN DO by defending yourself is BUY VALUABLE TIME.

Stay in your home weeks, months even YEARS longer while your case is being heard in court. 

Get the time you need to work out your financial situation.  Get the time you need to sell your home and payoff your loan. 

The legal system and the courts don’t work fast.  They are over burdened now.  Literally millions of foreclosure cases are being filed around the country.

The actions in court only work fast when THERE IS NO ONE DEFENDING THE CASE.  YOU LOSE BY DEFAULT.

If you don’t appear in court and defend yourself, the court WILL GRANT a Default and order the foreclosure and sale.

You lose by DEFAULT