Sirote and Permutt Foreclosure - How to Win

Edited by Hannah Locklear

If you are facing foreclosure on your home with a Sirote and Permutt foreclosure, how to proceed depends if it's a judicial or nonjudicial foreclosure. It's easier to fight a judicial foreclosure than a nonjudicial one. If it's nonjudicial, it means that the process is outside the court system so you have to file a lawsuit.

Every home foreclosure case is different and various states have their procedures. But below is more information about how to win in a Sirote and Permutt foreclosure.

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Judicial foreclosure

If you're in a judicial foreclosure state, you need to file an answer to the lawsuit. You‘ll have to give affirmative defenses and explain why the mortgage holder shouldn't be able to do a foreclosure.

You could need to defend yourself if there's a motion for summary judgment and during the trial. If you possess good evidence that the mortgage company made a mistake during the foreclosure, such as not giving you a breach letter or starting the foreclosure too fast, you may be able to stop the foreclosure process. Or, you might be able to figure out how to save your home with a loan modification.

Nonjudicial foreclosure

A nonjudicial foreclosure involves processes that are outside court. So, you need to file a lawsuit for the judge to pay attention. Note that you will hold the burden of proof because you want her to stop a foreclosure that's allowed according to the mortgage document that you signed.

Use SoloSuit to respond in 15 minutes and win your case.

Fighting a judicial foreclosure

With a Sirote and Permutt foreclosure in a judicial foreclosure process, the mortgage lender must file suit to get things started. You'll know there is a lawsuit when a summons and complaint are served to you. These documents will tell you about the lawsuit and provide you with about 20 or 30 days to respond if you want to fight. The lender holds the burden of proof that the foreclosure is allowed according to the mortgage deed.

The proof usually is the documents that you inked when you took out the loan, such as a promissory note or mortgage. The paperwork could include notices that you have been served with, including endorsements and assignments. Other items that may be used are accounts of payments that have been made or missed.

Generally, if you are not pointing out there were omissions or errors in the paperwork and procedures, the court will say there is enough evidence and will order that your home be foreclosed.

Filing an answer

If you respond to the lawsuit, you'll need to explain to the judge why you think the Sirote and Permutt foreclosure is out of bounds. The deadline is usually about 20 or 30 days after you are served, but this will vary by state. Be sure you review the summons you have as well as the complaint to find out how long you have to answer.

Make sure you provide the answer in the right format and you should offer responses to each claim that the mortgage company makes. When you do that, you should respond that you agree, disagree, or don't have enough information to say.

Also, you can request that the lender prove each claim, such as how many mortgage payments you missed and the fees you allegedly owe. Note that if you admit something is true, your lender does not need to prove that. Note you also may say that Sirote and Permutt do not have the right to sue you; this is known as standing.

If you file your answer, keep in mind that the mortgage lender can ask for a summary judgment against you. This means that the judge is asked to decide without any trial. You can oppose this motion by providing arguments and evidence as a response to the motion. If the court states that you don't have evidence, the lender wins the motion and there is a judgment against you. But if the judge denies it, the court lets the matter go to trial.

Make the right defense the right way with SoloSuit.

Fighting a nonjudicial foreclosure

This type of Sirote and Permutt foreclosure happens outside court, so you must file a lawsuit for the judge to consider it. One of the legal issues, in this case, is that you have the burden of proof if you want the foreclosure to stop. Foreclosure is allowed in your mortgage contract, so you need to have some serious evidence to stop it. You will need to do a motion for a temporary restraining order as well as a preliminary injunction to stop the sale as the claim is being processed.

When It May Be Right To Fight a Sirote and Permutt Foreclosure

If it's obvious that your lender broke the law and you didn't have the rights you're supposed to have, then you may want to fight the case. You could get it delayed or even dismissed. So, you could stay in the house months longer than you thought.

You might be able to stop the foreclosure in its tracks if you have a robust defense, such as:

• The mortgage company started this foreclosure because of false information, such as the payments you made were given to the wrong company and you didn't miss any. Or, perhaps the mortgage servicer overstated how much you owe.
• You can show that the mortgage company didn't follow state law for the foreclosure.

However, you need to be certain that you file a correct response or you could lose important rights to which you're entitled.

In summary, there are ways that you can stop a Sirote and Permutt foreclosure, but there's no question it's a tall order, especially when you try to do it on your own. It's often a good idea to have your case reviewed for free by an attorney because you can gain valuable insight into whether it's worth fighting the case at all.

That said, many people succeed in delaying foreclosure for months or even years, so keep the above information in mind.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri

Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah; File a Motion to Satisfy Judgment Vermont Virginia Washington West Virginia Wisconsin Wyoming

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