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When this site was launched in 2009, the homeowner facing foreclosure had little if any friends:

• the economy was in a recession
• the Administration refused to back mortgage cram down in Chapter 13 bankruptcies
• the HAMP program was a failure
• servicers of loans played with borrowers who were trying to get a loan modification (lost paperwork, being put on hold for extended periods, no return calls, no response until the eve of foreclosure at which time you were told that your application was denied)
• so called modification companies were victimizing homeowners
• robo-signing of documents appears to have been widespread, missing mortgage documents were fraudulently reproduced and submitted to courts or foreclosure clerks to throw people out of their homes

KEVIN HANLY offered a no nonsense, time tested solution for homeowners. Simply stated:

THE BEST WAY TO STOP FORECLOSURE IS TO FIGHT FORECLOSURE.

He told his clients, don’t rely on a lender or servicer to play fair with you. They are not your friends and do not have your interests at heart. Do not hope for the best. Do not think that a court is going to intervene on your behalf because you are a nice person and worked hard all your life.

Foreclosure is litigation and litigation is battle. You need someone who knows the law, knows the court system, knows the opposition. Most importantly, you need someone who is willing to roll up his sleeves and fight for you. Hanly, with the help of his expert witnesses/consultants, has analyzed statutory law and court cases across the United States, and has come up with innovative and effective procedural and substantive arguments that are taking hold in New Jersey. Then he goes to court and uses these arguments and strategies to fight for his clients -- to stop the foreclosure.

The hard work is paying off. The courts in NJ are more open to homeowner arguments and cases are coming down which protect your rights. More importantly, we are getting results -- all of our clients are still in their homes or have made fair deals with the lender to move on with their lives.

The lawfirm of Kevin Hanly, Esq., PC is there to fight for you and your family.

But, it’s easy to say that you will fight for clients.  It is another thing to go out there and get results.  Kevin Hanly can walk the walk.  He has experience in foreclosure, bankruptcy and consumer law.  More importantly, he has been a trial lawyer for almost 30 years- fighting in the courtroom for his clients.  The lenders have their bailout money and their lawyers- and they want to take your house from you.  You need someone who will utilize cutting edge, aggressive strategies to defend against foreclosure actions in both state court and federal court.

Kevin Hanly will analyze your specific situation to determine whether you have valid defenses under (click where underlined for more details):

Truth in Lending

Home Ownership and Equity Protection Act

New Jersey Home Ownership Security Act

New Jersey Consumer Fraud Act

Predatory Lending laws

State and federal procedural laws relating to real party in interest

Bankruptcy law

Once we have analyzed your situation, we put together a plan and bring together a team of lawyers and expert witnesses to guide you and to fight for you.

The fee structure is flexible and reasonable. You have nothing to lose and can save your home. But, remember, time is not on your side! The lender is not sitting on its rights. You should not sit on yours.