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Loan Modification & Housing Discrimination | Fall River

Joseph Botelho | 1149 Views | 03/10/2015

Fair Housing Complaint Process

One of the most underutilized and least understood, but most effective strategies available to consumers who feel they were preyed upon by their lender, servicer, or even landlord is the Fair Housing complaint process under the Civil Rights Act of 1968 enforced by the United States Department of Housing and Urban Development or HUD.

Housing & Urban Development

Uniquely, here at the law offices of Botelho and Associates, we know how to execute this heavy-handed federal strategy to deliver you real world justice because we have a former HUD supervisor and experts on staff. No other firm in Massachusetts can offer this opportunity. We have the only Fair Lending case in the history of Massachusetts to have been accepted then investigated by HUD who came to the determination that our client was, in fact, discriminated against in the loan modification process by a national lender.

Damages

Like many Fair Housing cases, damages are unlimited. Unlike filing a lawsuit, a Fair Housing complaint is not reviewed or filed in court. The U.S. Department of HUD is the sole decision maker. This removes your local or state judge who may not understand lending or discrimination from the equation.

The process is faster, financially less costly for our clients, and can be much less stressful. Most importantly, since the Civil Rights Act determines the harm, there is no limit to how my client can be compensated and delivered justice. We are not looking for modifications here, but real world justice. So, you may ask yourself, who would be a good Fair Housing candidate?

Housing Discrimination

We are looking for consumers who feel they were abused or mistreated by their lender, servicer, or landlord for their primary residence only and over the past (12) months. We are looking for consumers who categorize themselves as disabled with disability income, elderly with a physical or mental challenge, handicapped or understood to be handicapped by others, ethnic or from another country speaking a foreign language such as their primary language, part of a minority group or having a different skin color, gay, lesbian, bisexual, or transgendered, being prosecuted or treated differently because of your religious beliefs, pregnant or being refused loans or housing, mistreated because of their gender.

Loan Modifications

We are also looking for violations like these within the past (12) months: wrongly denied loan modifications or housing when you qualified and are eligible, granted a predatory loan modification you find difficult or impossible to repay. Lender or servicer ignores or significantly delays the review of your loan modification application, denied the right to apply for a loan modification or housing, prevented or discouraged from applying for either, mistreated, abused or ignored by your lender, servicer, or landlord who refuses to help you, subjected to unfair requirements, standards, or prosecuted during the application process for a loan modification or housing, treated differently or unfairly in person by a bank, servicer, or a landlord or if you were mistreated by a lender, servicer, or landlord and you may lose your home because of the landlord, servicer, or lender, makes discriminatory statements about who you are verbally, in person, or in writing.

Foreclosure Risks

In general, if you believe you are being preyed upon or treated differently by your servicer, lender, or landlord and believe you might lose your home or the right to live where you want because of the way you are being treated, I can help you explore whether your situation may qualify you to file this very powerful federal complaint through the United States Department of Housing and Urban Development. I welcome anyone to complete our no cost discrimination questionnaire for a free review of your situation. To receive this questionnaire please contact me at: jbotelho@botelholawgroup.com and put discrimination in the subject line or call us at: 1 888-269-0688.

By: Joseph Botelho

Loan Modification & Housing Discrimination | Fall River

Fair Housing Complaint Process

One of the most underutilized and least understood, but most effective strategies available to consumers who feel they were preyed upon by their lender, servicer, or even landlord is the Fair Housing complaint process under the Civil Rights Act of 1968 enforced by the United States Department of Housing and Urban Development or HUD.

Housing & Urban Development

Uniquely, here at the law offices of Botelho and Associates, we know how to execute this heavy-handed federal strategy to deliver you real world justice because we have a former HUD supervisor and experts on staff. No other firm in Massachusetts can offer this opportunity. We have the only Fair Lending case in the history of Massachusetts to have been accepted then investigated by HUD who came to the determination that our client was, in fact, discriminated against in the loan modification process by a national lender.

Damages

Like many Fair Housing cases, damages are unlimited. Unlike filing a lawsuit, a Fair Housing complaint is not reviewed or filed in court. The U.S. Department of HUD is the sole decision maker. This removes your local or state judge who may not understand lending or discrimination from the equation.

The process is faster, financially less costly for our clients, and can be much less stressful. Most importantly, since the Civil Rights Act determines the harm, there is no limit to how my client can be compensated and delivered justice. We are not looking for modifications here, but real world justice. So, you may ask yourself, who would be a good Fair Housing candidate?

Housing Discrimination

We are looking for consumers who feel they were abused or mistreated by their lender, servicer, or landlord for their primary residence only and over the past (12) months. We are looking for consumers who categorize themselves as disabled with disability income, elderly with a physical or mental challenge, handicapped or understood to be handicapped by others, ethnic or from another country speaking a foreign language such as their primary language, part of a minority group or having a different skin color, gay, lesbian, bisexual, or transgendered, being prosecuted or treated differently because of your religious beliefs, pregnant or being refused loans or housing, mistreated because of their gender.

Loan Modifications

We are also looking for violations like these within the past (12) months: wrongly denied loan modifications or housing when you qualified and are eligible, granted a predatory loan modification you find difficult or impossible to repay. Lender or servicer ignores or significantly delays the review of your loan modification application, denied the right to apply for a loan modification or housing, prevented or discouraged from applying for either, mistreated, abused or ignored by your lender, servicer, or landlord who refuses to help you, subjected to unfair requirements, standards, or prosecuted during the application process for a loan modification or housing, treated differently or unfairly in person by a bank, servicer, or a landlord or if you were mistreated by a lender, servicer, or landlord and you may lose your home because of the landlord, servicer, or lender, makes discriminatory statements about who you are verbally, in person, or in writing.

Foreclosure Risks

In general, if you believe you are being preyed upon or treated differently by your servicer, lender, or landlord and believe you might lose your home or the right to live where you want because of the way you are being treated, I can help you explore whether your situation may qualify you to file this very powerful federal complaint through the United States Department of Housing and Urban Development. I welcome anyone to complete our no cost discrimination questionnaire for a free review of your situation. To receive this questionnaire please contact me at: jbotelho@botelholawgroup.com and put discrimination in the subject line or call us at: 1 888-269-0688.

By: Joseph Botelho