New Book Offers Legal Help to Homeowners in Foreclosure

September 29, 2008

23 Legal Defenses to Foreclosure offers powerful tools to beat the bank in court.

Columbus, OH (PRnine – September 29, 2008) – Over 1.2 million families lost their homes to foreclosure in 2007 and more are expected this year. Many of these homeowners do not know how to fight foreclosure – or assume there are no legal defenses available. A new book hopes to change that.

23 Legal Defenses to Foreclosure is a new source for foreclosure defense information that offers significant help to homeowners in foreclosure. It shows homeowners how to identify legal defenses to foreclosure and how to apply those defenses in court. It includes sample legal documents, responses to foreclosure, and forms to get damaging information directly from the bank.

Nevada foreclosure attorney Ramon Dy-Ragos points to the number of defenses available in 23 Legal Defenses to Foreclosure in calling the book a “goldmine.” These defenses include predatory lending, unconscionability, the Truth-in-Lending Act (TILA), and more.

23 Legal Defenses to Foreclosure includes step-by-step checklists that walk homeowners through their loan documents to locate violations of federal laws governing mortgages, like TILA. It includes the necessary forms to complete mortgage calculations and shows the homeowner how to identify inaccuracies. Inaccurate documents mean financial awards for the homeowner that can amount to tens of thousands of dollars or more. In some instances, the homeowner can cancel the loan and obtain a refund of all money paid on the loan.

The author, Troy Doucet, is a former mortgage firm owner, paralegal, and law student. Doucet assists attorneys throughout the United States in their efforts to combat foreclosure, and regularly audits loans for TILA and HOEPA violations. Doucet’s decision to write this book flows from seeing TILA violations in about 60% of the foreclosure loans he audited for attorneys. “I am constantly amazed at the number of problems within mortgage documents that enable statutory loan rescission,” says Doucet. He thinks any homeowner facing foreclosure should not assume their mortgage documents are in order or accurate. “Take a few moments to verify your loan documents,” he says, “you may be surprised at the number of errors you find.”

23 Legal Defenses to Foreclosure breaks down 23 different foreclosure defenses into easy-to-understand chapters written in plain English. The chapters include a definition of the legal defense, how to spot the legal defense, and damages available with checklists and worksheets.

The book is written for a consumer, but powerful enough for an attorney. New Jersey attorney Mark Malone and Pennsylvania attorney James Villere give the book thumbs up. Columbus, Ohio attorney Thomas Tootle calls the book “A necessary desk reference for anyone fighting foreclosure – even the most seasoned practitioner.”

23 Legal Defenses to Foreclosure is available on and at

Keywords: foreclosure, foreclosure law, foreclosure defenses, foreclosure defend, legal foreclosure, fight foreclosure, stop foreclosure, beat foreclosure, notice of default


Media Contact Information:
Troy Doucet
23 Legal Defenses to Foreclosure

{ 1 trackback }

Free Real Estate Blog » - Foreclosure News
09.29.08 at 1:08 am

Comments on this entry are closed.