and Mortgage Litigation
DYE CULIK PC provides consumer protection in mortgage related matters. Among the many types of mortgage issues homeowners face, the best possible solution is not always one size fits all. We look at your individual situation and mortgage and develop a strategy that will give you the best legal leverage to address the issues you are facing and achieve your goals.
DYE CULIK PC has helped hundreds of homeowners save their home from foreclosure by going up against impossible odds and the nation's largest banks and mortgage servicers.
How we can help:
Postponing Foreclosure Auctions
Restraining Orders and Injunctions Against Banks
Challenging Bank Foreclosures and Rescinding Unlawful Foreclosures
Predatory Lending Violation Defense
Violations of the Truth in Lending Act and the North Carolina Unfair & Deceptive Trade Practices
Balance Settlement and Negotiations
Every foreclosure situation is different and deeply affects the lives of the individuals involved. We listen to your story, review your documents and mortgage history, and find leverage we can use to help you avoid foreclosure even at the last hour. From the early stages of foreclosure, to the last-minute restraining order, to having unlawful foreclosures rescinded, we put our experience to work for you.
A loan modification can be a huge benefit because it changes the terms of your loan, allows it to be reinstated if you have fallen behind, gets you a payment you can afford, lowers your interest rate, and in some cases reduces your overall principal.
Rather than simply process a mortgage modification, we use our own unique legal defense strategy that sets your case up to have the grounds to sue the bank if necessary when they are violating homeowner’s rights, not adhering to guidelines, or have participated in predatory lending practices.
In our ten plus year's of experience dealing with mortgage lenders, banks, and mortgage servicers, we find that they repeatedly violate laws and mishandle mortgages.
The issues that arise during the life of a mortgage such as a faulty mortgage closing, errors in your mortgage documents or when they were recorded, or problems that arise during the servicing of your mortgage, can give you leverage when you're facing foreclosure or attempting to favorably modify your mortgage. We look for those issues and use them.
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