Lenders and Mortgage Servicers do not have the capacity to effectively ensure that they are in compliance with foreclosure laws and statues. Oftentimes, lenders employ a "third party" Trustee Company or Attorney to administer the foreclosure process on behalf of the lender; consequently transferring the liability to the Trustee or Attorney for any violations of foreclosure laws and/or statutes.

Home Retention Services requires that the Trustee or Law Firm verify a comprehensive list of items related to the procedures enacted by the lender and/or Trustee during the foreclosure process. Since the Trustee or firm assumes all liability in the auctioning of the property, they will not foreclosure on the property if there is potential for any violation of foreclosure laws or statutes. This would lead to potential litigation.

There are numerous grounds for which a foreclosure auction and/or sale can be reversed, just as there are numerous claims that can be brought up for postponement of the sale. The Lenders are liable under Consent Orders issued for ROBO-SIGNING and not properly ensuring policies and procedures related to foreclosures were followed. Home Retention Services provides Trustee Sale Reversal services that will enable the owner to stay in their property or move back in. Trustee Sale Reversal is not permanent, however typically the lender must start the foreclosure process all over again. This only provides property owners additional time to determine what the next best course of action is.

• If Only 3-Day Notice to Vacate is posted we can delay the eviction a minimum of 6 months, up to 12 months.
  
  
• If the Unlawful Detainer has been issued, we can delay the eviction a minimum of 4 months, up to 8 months

• Consumers can save money while finding a place to relocate: Our fees are a fraction of what you could pay for rent..
  
  
• Consumers move on their terms and timeline, not the banks.
  
  
• Consumers can let their children finish the school year without moving.
  
  
• Consumers no longer need to fear the sheriff! Home Retention Services will let you know the timeline. No surprises!
  
  
• Just send us our agreement, the 3 day notice to vacate or the Unlawful Detainer and the eviction will be delayed.

We buy you the much needed time in your home or get your foreclosure reversed so you can either take advantage of future foreclosure assistance programs, litigation or short sale. New programs will evolve to assist homeowners in foreclosure in the future as Government programs continue to evolve. We have already seen Principal Reduction (PRA) and 2nd Mortgage Elimination (2MP) programs released through the Governments Making Home Affordable program. Many homeowners have already lost their homes before these programs were available. By delaying the foreclosure sale, our clients have much needed time to find a resolution and stay in their home. The worst thing that could happen to a homeowner is to be foreclosed on only to see there was a way to save their home a few months later.

Our Trustee Delay Program is another option to help homeowners that are considering bankruptcy, a loan modification or short sale as a way to delay the foreclosure auction. Some homeowners may choose our service as a means to strategically default for those who have been denied for a loan modification or a short sale and are out of options. You may be trying to get approved for a loan modification or short sale and need more time. Many homeowners also realize that they are so far upside down on the property and it is not worth paying the high mortgage payment and would rather live in their home for less than what an apartment would cost to rent. No matter what reasons you have for delaying a foreclosure sale, we can help you.