In recent news, home lending giant GMAC Mortgage announced that it was temporarily suspending all foreclosures and evictions of homeowners who have fallen behind on their mortgage payments in 23 states.
The reason?
GMAC Mortgage has recently been the focus of multiple civil lawsuits alleging that the company, a unit of Ally Financial Inc., has been flagrantly violating judicial foreclosure laws in many states.
Judicial foreclosure laws typically state that any mortgage company seeking to foreclose on a home must file a summary judgment motion beforehand. This summary judgment motion must include an affidavit from a witness who has 1) reviewed the files and 2) verified that the lending company is the actual owner of the mortgage note.
However, this may not be happening.
Jeffrey Stephan, a foreclosure specialist with GMAC Mortgage, recently testified in a deposition (for a pending civil lawsuit in Florida) that he signed roughly 10,000 affidavits per month, taking no time to either review or verify any files.
According Chris Immel, a Florida attorney handling civil litigation against Ally, Inc., this illegal practice is now often the norm.
"There's been a system that has been put in place by the various servicing companies to basically push these cases along as quickly as possible, so they're signing documents without really reviewing them," he said.
In a released statement, Ally, Inc. stated its intention to conduct a comprehensive review of its current procedures and expressed certainty that no improper foreclosures occurred.
"Internal review has revealed no evidence of any factual misstatements or inaccuracies" in the legal documents, said Gina Proia, a spokesperson for Ally, Inc.
However, the company refused to elaborate on how many homeowners would be affected by its temporary suspension of foreclosures/evictions.
It is worth noting that attorneys general in several states have already begun launching investigations into the company's potential violations of judicial foreclosure laws.
Stay tuned for further developments ...
If you are facing foreclosure, you should strongly consider contacting an experienced bankruptcy attorney to learn more about your rights and your options.
This post is for informational purposes only and is not to be construed as legal advice.
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