Forest for the Trees

Aug 22, 2017 | Foreclosure

The Recession was not pretty, its effects have been lingering since it was declared officially over.

It led to the spate of foreclosures clogging courts across the U.S. that, according to the latest reports, won’t peak for another two years. Depending on when you think the ‘downturn’ started, that’s at least ten years of misery for a significant percentage of Connecticut homeowners.

These ten years also happen to coincide with the most prolific, almost instantaneous, exchange of information in human history.

So, it’s no surprise that the Internet is alive with conspiracy theories – conspiracies involving banks, mortgage lenders, government entities, brokerage firms, real estate investment companies, hedge funds, foreclosure law firms, and a host more.

Many – many – of the sites proffering these also offer a vast array of solutions, many start out free, then . . . well, you know.

This may seem of little concern to most people, but it’s widespread and it obscures legitimate issues in the foreclosure process.

Case in point, a large foreclosure firm filed against a homeowner in southeastern Connecticut about a year ago. The homeowner skipped a response in state court and went straight to Federal District Court with a complaint that the court kindly referred to a ‘somewhat repetitive, verbose, and dense.’

The homeowner’s complaint was straight off the web and it attacked the forest while foregoing the trees. The district court was not unsympathetic to some piece of the argument, tried several times to direct the homeowner toward something legally solid (the court, in fact, did everything except use highlighter over the relevant passages) failed each time as the plaintiff merely regurgitated their first – and only – argument.

The homeowners missed the golden opportunities offered by the court; the foreclosure firm made a half a dozen procedural errors in their pursuit of the state foreclosure action that the homeowners – guided by the web-based conspiracy crowd – ignored in their attempt to slay the giant.

After a long and tortuous process, the homeowners lost; the foreclosure firm touted it as a notable, precedent setting win on various industry web sites. (Every side is entitled to their own illusions).

The thing is, maybe there was (and is) a conspiracy (s), certainly a lot of really bad things happened to take down the economy. None of that matters – the foreclosure process is not the place to blow the lid off of it. It’s the place to work to keep your home or stay in it as long as possible while you rearrange your life.

These websites and self-help programs offer a narrative for a confusing, stressful time. They do not offer the solutions you can find in court.

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I’ll talk to anyone who is currently behind on their mortgage, thinks they may not be able to afford their mortgage in the coming months, or is already in foreclosure. The earlier we talk, the more options you have.

… Sarah Poriss.

Sarah Poriss, Attorney at Law, LLC is the largest woman-owned foreclosure defense law firm in Connecticut, providing homeowners with quality legal counsel in foreclosure mediation and foreclosure defense.

Working at Consumer Law Group in Rocky Hill, Connecticut for four years, Sarah specialized in representing consumers facing financial crises like debt collection harassment and identity theft. Upon opening her own office, she expanded her focus to defending consumers sued by credit card companies and representing homeowners in foreclosure.

Sarah has elevated her practice by exclusively representing clients with money issues. She played a crucial role in drafting foreclosure mediation rules as a member of Connecticut’s Bench-Bar Foreclosure Committee for seven years.

Additionally, she contributed to the Bench-Bar Small Claims Committee to enhance clarity in small claims proceedings and ensure debt collectors provide substantial evidence to win cases.

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