foreclosure

Lawyers Who Help Small Business Owners

Lawyers Who Help Small Business Owners

The lawyers at Doucet & Associates Co., L.P.A. provide legal representation and services to new and developing small business owners. Our experience with consumer litigation lawsuits give us a unique position to advise small business owners. We understand the difficulties of running a business and drafting contracts, hiring employees, and operations. Small business lawyers at Doucet & Associates Co., L.P.A. can represent small business owners in civil lawsuits and help prevent future lawsuits with our contract drafting and negotiation services.

Doucet & Associates offers a free video seminar about drafting contracts for small business owners on our website. Click here to view the free video seminar. Our lawyers not only help develop contracts and offer legal advice but also help small business owners settle contract disputes. Using an objective based approach to help our clients, we review all the facts and help them evaluate their best options.

Small business attorneys are usually much more affordable than the gigantic law firms that serve large corporations.  We have less overhead and are more responsive to our clients' changing needs.  Hiring a small business attorney can help with organizing a business at an affordable cost, as well with litigating out claims.  Our litigation attorneys can even help at a flat monthly payment against our hourly rate.  Contact us for more information!

Aside from contracts and negotiations, our lawyers can also assist small business owners in a variety of other legal matters. Our lawyers have experience fighting federal and complex litigation lawsuits, commercial foreclosure, tortious interference, scams, and fraudulent misrepresentation. The lawyers at Doucet & Associates Co., L.P.A. have great experience handling appeal cases at the Sixth Circuit Federal Court of Appeals and have successfully shaped national mortgage law with a verdict from one of our appeals. Call Doucet & Associates Co., L.P.A. today at (614)944-5219 to set up a consultation with a small business attorney.

 

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How to Stop a Sheriff’s Sale in Ohio

There are several ways to stop a sheriff’s sale in Ohio. This post discusses several ways to stop a sheriff’s sale with plenty of good information to help you understand your options.

Let Us Help You Out of Your Foreclosure Nightmare

Let Us Help You Out of Your Foreclosure Nightmare

The attorneys at Doucet & Associates Co LPA help homeowners in Ohio dealing with foreclosure lawsuits in a variety of ways. We can assist homeowners during the loan modification process, identify mortgage errors, and help file an answer when being served with a complaint in a foreclosure lawsuit...

Are You Struggling to Pay Off Your House? A Loan Modification May Help

Are You Struggling to Pay Off Your House? A Loan Modification May Help

Doucet & Associates is a foreclosure defense and consumer litigation law firm in Ohio that focuses on helping homeowners save their home from foreclosure...

Are you struggling to pay for your legal help?

Are you struggling to pay for your legal help?

There are many legal services in Ohio that help people with little or no income. There are pro bono attorneys, organizations where lawyers volunteer their time and services, and legal student services that you could use for a discounted rate or free...

Dealing with Foreclosure? Watch Out for a Deficiency Judgment

Dealing with Foreclosure? Watch Out for a Deficiency Judgment

A deficiency judgement is the difference between what you still owe on your home in foreclosure and how much the home sold for at a sheriff sale or short sale...

Stimulating Our Senses With a Coffee Tasting

Stimulating Our Senses With a Coffee Tasting

Doucet & Associates recently hosted our first coffee tasting event for our lawyers and staff. We tasted a variety of different types of coffee including a light blonde roast, a medium roast, and a dark roast...

CitiMortgage and CitiFinancial Servicing Refunding Homeowners $21.4 Million

CitiMortgage and CitiFinancial Servicing have been fined $28.8 million by the Consumer Financial Protection Bureau for failing to help homeowners avoid foreclosure by using bad loss mitigation practices...

Meet Our New Associates

Doucet and Associates is pleased to announce and welcome Sean Kohl, Alex Keen, and John Miller to our team as associates. As a firm, we are very excited to have them join our team and are confident they will make a positive impact on our clients. Sean M. Kohl, Esq...

Are You Renting a Property in Foreclosure?

Foreclosure is the legal process of a lender enforcing the mortgage against the property of a homeowner or landlord. If you are a tenant, you probably make routine payments to the landlord for the property you are renting.

Foreclosure Lawsuit Reactivated Due to Suspected Fake Documents

Rick Slorp alleges that BAC Home Loans Servicing, L.P. and its attorneys at Lerner Sampson & Rothfuss LLP (LSR) created and submitted multiple fake versions of his promissory note to use as evidence against him in a foreclosure lawsuit.

New Flex Modification Program Will Replace HAMP

New Flex Modification Program Will Replace HAMP

The Home Affordable Modification Program (HAMP) that helps homeowners avoid foreclosure by adjusting interest rates and modifying loans expired at the end of the year. A new Flex Modification program will replace HAMP starting in 2017.

The new Flex Modification program is designed to cut back on monthly mortgage payments when homeowners are experiencing financial hardships and behind on their mortgage. Some homeowners are expected to receive up to a 20% payment reduction on their mortgage. Introduced by Fannie Mae and Freddie Mac, the Flex Modification foreclosure prevention program is supposed to be adaptive to regional differences and the ever-changing housing market.

Fannie Mae and Freddie Mac are government enterprises developed by Congress to help loan servicers convert assets to cash, a concept known as liquidity. To do this, Fannie Mae and Freddie Mac buy mortgages from lenders and loan servicers. The lenders then take the profit from selling the mortgages and relend it to other consumers buying a home or property. The government enterprises help lenders have an affordable supply of monetary funds to distribute in mortgage loans around the United States.

Flex Modification is expected to help lenders, homeowners, taxpayers, Fannie Mae, and Freddie Mac save money by avoiding the expensive and long foreclosure process. If you are having financial difficulties and struggling to pay your mortgage payment in full every month, a loan modification may be able to help you keep your home. Contact a foreclosure defense lawyer at Doucet & Associates Co., L.P.A. at (614)944-5219 for legal assistance securing a loan modification today.

 

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Credit Reports are Improving Since the Housing Crisis

Credit Reports are Improving Since the Housing Crisis

Homeowners that suffered from foreclosure during the housing crisis and Great Recession are starting to get their foreclosure histories taken off their credit reports. Removing foreclosure from a credit report can make it easier for a consumer to increase their credit score. Doucet & Associates Co., L.P.A. helps consumers’ correct errors on their credit reports and assists homeowners fight foreclosure.

The Great Recession refers to the economic decline during the financial crisis and the housing crisis that happened between 2007 and 2009. The rise of unemployment during the financial crisis caused many homeowners to fall into foreclosure, which negatively impacted their credit reports. Foreclosure stays on a consumer credit report for seven years.

There are many reasons that simultaneously caused the recession. The rise in foreclosures and drop in number of people buying homes at that time led to the United States housing bubble collapsing. The prices of homes were dropping, current homeowners were struggling to pay back mortgages, and people were frantically looking for jobs after being laid off. The recession left many Americans with long-lasting consequences.

If your foreclosure history is not being removed from your credit report, the Fair Credit Reporting Act (FCRA) grants consumers the right to write a letter asking the credit reporting agency investigate the error. The removal of foreclosure from a credit report is going to influence consumers getting approved for lower interest rates.  If the credit reporting agency is denying your request to have foreclosure cleared from your credit report after seven years the lawyers at Doucet & Associates Co., L.P.A. can provide legal assistance. Contact us today at (614)-944-5219.

 

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Doucet & Associates Co., L.P.A. Attorneys Receive Rising Stars Honor

Doucet & Associates Co., L.P.A. Attorneys Receive Rising Stars Honor

Attorneys Troy J. Doucet and Andrew Gerling are being recognized as a 2017 Ohio Rising Star by Super Lawyers. This honor is reserved for lawyers who exhibit excellence in practice. Doucet & Associates Co., L.P.A. focuses on helping our clients fight foreclosure, consumer law, and small business litigation.

Troy Doucet established this law firm to help people fight against banks, mortgage companies, and debt collectors. He also wrote the foreclosure defense book 23 Legal Defenses to Foreclosure: How to Beat the Bank, trains new attorneys in consumer law, and has taught CLE courses for lawyers. Troy works hard to make sure that our clients get outstanding legal representation and is proud of the consumer-friendly case law this firm helps establish every day.

Andrew Gerling is a senior associate and litigator at Doucet & Associates. He has significant experience helping people in consumer protection lawsuits such as foreclosure defense, abusive debt collection, and consumer fraud. Andrew and Troy have great experience working with consumer matters that involve the Real Estate Settlement Procedures Act, Consumer Sales Protection Act, the Fair Debt Collection Practices Act, Truth in Lending Act, and the Fair Credit Reporting Act.

Troy Doucet and Andrew Gerling are honored to have received the 2017 Ohio Rising Stars Award for consumer law. The dedication the attorneys at Doucet & Associates give our clients has helped our law firm become one of the most recognized foreclosure defense and consumer law firms in Ohio.

Contact Doucet & Associates Co., L.P.A. at (614)944-5219 for legal assistance with a foreclosure lawsuit or consumer protection matter.

 

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Doucet & Associates 10th District Win for Church Client

Doucet & Associates 10th District Win for Church Client

Doucet & Associates Co., L.P.A. attorney, Andrew Gerling, maintained a $62,000 jury verdict in the 10th District appellate court for a local church. The church first received the $62,000 in damages in the Franklin County Common Pleas Court for a breach of contract over a commercial property.

The Fathers House International, Inc. purchased the commercial property with intent to build a new church.  The Pastors of the church met with the defendant and modified the contract to keep monthly payments from rising after the first year. The Pastors and defendant also agreed the property could be used for other projects.

Later the church joined with the YMCA, the City of Columbus, and the Community Shelter Board and developed plans to operate a homeless shelter on the property. The defendant wrote a letter of confirmation for the church to lease the property and verified accurate payments had been received.

Despite the modification and letter, the defendant later went back on the deal by demanding more money than he was entitled to under the new contract agreement.  Attorney Andrew Gerling first successfully defended the Fathers House International, Inc. in a breach of contract lawsuit and upheld the verdict during the appeal.

If you have had a foreclosure lawsuit unlawfully filed against you contact Doucet & Associates Co., L.P.A. at (614)944-5219 for legal assistance.

 

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Save the Dream Ohio Restarts

Save the Dream Ohio Restarts

Save the Dream Ohio is a federally funded program that keeps families experiencing job loss from falling into foreclosure. The program started taking applications again in September for homeowners receiving unemployment benefits since January 1, 2014. The lawyers at Doucet & Associates Co., L.P.A. helps homeowners fight foreclosure by securing loan modifications and by finding mortgage errors, which can include Save the Dream foundation applications.

Save the Dream Ohio started in 2010 and helped over 20,000 families pay mortgage liabilities with forgivable loans. The program assists families by making mortgage payments for up to 18 months depending on the severity of the financial situation.  The program may also pay missed mortgage payments, property taxes and fees, and reduce the principal balance on a mortgage. Before the program halted two years ago an estimated 98% of families helped continued living in their home.

The Ohio Housing Finance Agency (OHFA) manages the Save the Dream Ohio foundation by working with nonprofit housing counseling agencies. Families with an annual household income under $112,375 who owe less than $432,000 on a mortgage may qualify for help. Homeowners do not have to pay a fee to receive assistance.

The OHFA must receive approval from a homeowner’s mortgage company or lender to provide financial assistance. Homeowners can apply for assistance at www.SavetheDream.ohio.gov or by calling (888)-404-4674.

If you are not accepted into Save the Dream and facing foreclosure, the lawyers at Doucet & Associates Co., L.P.A. maybe able to help you apply for a loan modification or defend the lawsuit.

 

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