Dinsmore offers full-service loan default services for loan servicers, financial institutions, and lenders relating to residential real estate, automobile, and other consumer assets and debts. Our combination of experience and technology allows us to provide our clients with the highest quality of services for all loan types, including loans backed by HUD, VA, USDA, FNMA, FHLMC, reverse mortgages, equity lines of credit, construction loans, second mortgages, and automobile loans. Whether you service small or large portfolios of default-related assets, Dinsmore manages all referrals professionally and efficiently.
Dinsmore brings the strength and bench of a national law firm to service our clients default servicing, consumer bankruptcy, and litigation needs. We are Fannie Mae and Freddie Mac approved mortgage-default counsel in multiple jurisdictions and have bankruptcy credentials coast to coast. Our firm’s commitment to quality service to the Default Servicing Industry extends from our highly skilled attorney to our experienced professional staff.
Dinsmore offers industry-leading experience representing secured and unsecured creditors in the mortgage, credit, and automobile industries in Bankruptcy Chapters 7, 11, 12, and 13. Dinsmore’s consumer bankruptcy attorneys draft and interpret new and revised local and federal rules of bankruptcy procedure and changes to the U.S. Bankruptcy Code. They also serve on jurisdictional bankruptcy committees involving local rules, attorney advisory, and as judicial liaisons. This enables us to proactively advocate for bankruptcy rule and procedural changes on our clients’ behalf and to provide advance notice of upcoming changes so our clients can prepare.
In addition to speaking at national, local, and industry conferences, including those sponsored by the Mortgage Bankers Association, American Bankruptcy Institute, and National Association of Chapter 13 Trustees, our attorneys provide on-site client training to provide strategic and practical advice to help clients evaluate risk, regulatory compliance solutions, and systemic operational changes.
By building relationships with clients, courts, Trustees, and consumer’ counsel based on trust, communication, and responsiveness, we ensure our clients’ current needs are met while also anticipating their future needs… enabling them to accomplish more.
Default Servicing expertise and offerings:
- Judicial and Non-Judicial Residential Foreclosure
- Routine and Non-Routine Contested Litigation
- Regulatory Compliance with federal and state consumer financial services laws, including CFPB, SCRA, FDCPA, TILA, HOEPA, RESPA, FCRA, ECOA, and EFTA
- Eviction
- Residential and Commercial Real Estate Transaction Services
- Post sale and REO Matters
- Title Curative, Title Insurance and Lien Priority Matters
- Loss Mitigation, Deeds in Lieu of Foreclosure
- Mediation and Arbitration
- Home/Condo Owners Association and Junior Mortgage Litigation
- Probate Land Sales and related Litigation
- Consumer Collections and Deficiency Matters
- Lender Liability and Class Action Representation
- Drafting Settlement and Loan Workout Documents
Consumer Bankruptcy expertise and offerings:
- Proofs of Claim
- Plan Objections
- Motions for Relief from Stay
- Abandonments
- Reaffirmation Agreements
- Notices of Post-Petition Fees, Expenses and Charges
- Notices of Mortgage Payment Changes
- Responses to Notices of Final Cures
- Adversary proceedings
- Loss-mitigation
- Protective action against Debtors filing and acting in bad faith
- Escrow Issues
- Payment Disputes
- Discharge and Automatic Stay Violation defense actions