LANC - MFP

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Legal Aid of North Carolina

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Mortgage Foreclosure Prevention

(LANC)

For immediate help with your foreclosure call (toll-free): Legal Aid of North Carolina: 866-219-LANC (866-2195262) OR Homeowner's HOPE Hotline: 888-995-HOPE (888-9954673) About us... The goal of LANC's Mortgage Foreclosure Prevention (MFP) unit is to keep working poor and working families in possession of their homes and their equity. By providing quality legal representation in foreclosure actions, the MFP saves homes, preserves credit ratings and strives to make prohibitive the cost of conducting business for the unscrupulous brokers and lenders. The MFP also promotes community education to increase awareness of home finance best practices and the dangers of predatory lending. The MFP includes a "team" of attorneys and staff who are located in Legal Aid of NC (LANC) offices and who specialize in foreclosure defense and predatory lending law. The MFP team acts on referrals from LANC offices and community organizations throughout North Carolina. Home Defense Project (HDP) LANC's MFP team also collaborates with other legal services organizations to save homes and reduce foreclosures in North Carolina through the Home Defense Project (HDP). The HDP is a collaboration of seven nonprofit organizations: Legal Aid of North Carolina (LANC), the NC Justice Center, Legal Services of Southern Piedmont, Pisgah Legal Services, the Land Loss Prevention Project, the Financial Protection Law Center and the NC Housing Coalition. LANC and its legal services partners on the HDF use their legal skills and resources to seek reasonable loan modifications and provide high-quality foreclosure defense work in every county of North Carolina. In addition, the NC Justice Center (NCJC) and the Financial Protection Law Center provide litigation support and analysis on impact cases. The NCJC also assists with training and the implementation of best practices, tactics and strategies for individual cases. The NC Housing Coalition designs and coordinates outreach and education in support of the project by holding community forums to educate consumers, link them with legal advocates and engage community members in articulating policy solutions. The Home Defense Project (HDP) is funded in part by a grant from the Z. Smith Reynolds Foundation. Workshops/Clinics (announcements): Housing Assistance Workshop in Asheboro on April 9, 2011,

http://www.legalaidnc.org/Public/Learn/Statewide_Projects/MFP/

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10:00 AM - 2:00 PM (Flier) Housing Assistance Workshop in Greenville on April 2, 2011, 11:00 AM - 3:00 PM (Flier) In the News "HUD Secretary Shaun Donovan on Residential Real Estate" (March 30, 2011 article, Nightly Business Report, PBS) "Faces of Foreclosure" (03/13/11 article, Greensboro News & Record) "Foreclosure crackdown irrational" (November 17, 2010 The Chapel Hill News Guest Column by George R. Hausen, Jr.) "Mortgage change sought" (October 18, 2010 article, The News & Observer) "When paying the mortgage is not enough" (September 5, 2010 article, The News & Observer) "Goal is to keep houses occupied" (January 23, 2010 Winston-Salem Journal article) foreclosure epidemic (media release, January 7, 2010) "Help for saving homes" (September 20, 2009 article, News & Observer) "Foreclosures in NC skyrocketed to record levels" (article, Asheville Citizen-Times, January 5, 2009) "Stung by a middleman, Bad service." (article, Independent Weekly, March 12, 2008) Attorneys volunteer to help low-income families with mortgage foreclosure defense (media release, March 5, 2008) Foreclosure crisis worsens in January" (News 14 Carolina, March 4, 2008) Z. Smith Reynolds Foundation supports fight against predatory lending (media release, January 22, 2007) "Reynolds Foundation grant aims to help Legal Aid combat abusive mortgage-lending practices" (Philanthropy Journal article, March 14, 2006) Z. Smith Reynolds Foundation continues fight against predatory

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lending (media release, January 10, 2006) Publications "Mortgage Foreclosure Prevention" (pdf document) ...A tri-fold brochure that describes LANC's Mortgage Foreclosure Prevention (MFP) unit, a special, statewide project of Legal Aid of North Carolina (LANC). The goal of the MFP is to keep working poor and working families in possession of their home and their equity. Consider the following: Are you in a worse financial situation than before refinancing or taking your second mortgage? Were you promised one mortgage/loan and found out that you got a different mortgage/loan when you signed the paperwork, or later? Do you have an unreasonably high payment due at the end of or during your mortgage/loans term? Is your monthly payment or interest rate higher than you thought it would be? Were there a lot of fees included in your mortgage/loan? Did you have high closing costs when you signed for your mortgage/loan? Did you complete the paperwork before signing the mortgage/loan paperwork? Did your lender include information in your mortgage/loan paperwork that was not truthful? Did you find your mortgage/loan confusing and not have anyone you could trust to explain it to you? Did you get a second mortgage/loan for home improvements that were incomplete or done poorly? Does your mortgage/loan include very high insurance payments? Are you going to be fined or charged prepayment penalties included if you pay off your mortgage/loan early? Was your mortgage/loan refinanced or changed to another creditor without your knowledge or consent? If you answered "yes" to any of these questions you may have been the victim of an improper mortgage/loan. If you are concerned of this please gather your paperwork and call your local Legal Aid of North Carolina office for assistance.

http://www.legalaidnc.org/Public/Learn/Statewide_Projects/MFP/

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MFP Team Staff Johnnie Larrie, Esq., Project Leader, MFP MFP staff attorneys LANC staff attorneys (LANC offices) [The Mortgage Foreclosure Prevention unit includes a "team" of attorneys and staff who are located in LANC offices across North Carolina and who specialize in foreclosure defense and predatory lending law.] Hazel M. Mack, Esq., Project Director, Home Defense Project (HDP) Contact Information If you think that you might be at risk of foreclosure...or think something wasn't right about the closing on the purchase or refinancing of your home, then you may have been a victim of an improper mortgage or loan. To discuss your concerns, call your local Legal Aid of North Carolina office. Disclaimer The materials contained on this website are for information and educational purposes only and do not constitute legal advice. Also please note that Legal Aid of North Carolina does not provide legal assistance by E-mail. Contact your Legal Aid of North Carolina office or a private attorney if you need to speak to an attorney regarding your particular situation. See our complete disclaimer. Mission Statement Legal Aid of North Carolina is a statewide, nonprofit law firm that provides free legal services in civil matters to low-income people in order to ensure equal access to justice and to remove legal barriers to economic opportunity.
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Mortgage Forclosure Prevention (MFP)

Consider the following... About us Home Defense Project (HDP) - Workshops

http://www.legalaidnc.org/Public/Learn/Statewide_Projects/MFP/

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In the News Publications MFP Team Staff Contact Information LANC Offices

Learn About Us Offices Statewide Projects Media Releases Publications Board of Directors Clients Council Participate Jobs Pro Bono Internships Fellowships Events Legal Services Community Useful Links Give Donate Online Donate by Mail Monthly Giving Access to Justice Special Projects Domestic Violence Mortgage Foreclosure Tax Assistance Other Contact Us Intranet Disclaimer Privacy Policy Legal Aid of North Carolina, 224 S Dawson St, Raleigh NC 27601; 919.856.2564

http://www.legalaidnc.org/Public/Learn/Statewide_Projects/MFP/

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