Legal Question in Real Estate Law in Georgia

I have a home that has a reverse mortgage. Currently I am in a situation where I have forced placed hazard insurance with the mortgage company. I missed a payment and received a notice with intent to foreclose in November 2011. I was able to come to an agreement to get back on track with my payments and I submitted a signed agreement and payment by December 6, 2011. My payments since that time are 1 month early. I have been trying to complete renovations to the kitchen and bathroom and informed the mortgage company early in the year. After submitting my agreement I went out of state to help my son during cancer treatments but continued to communicate with the mortgage company by phone and email 2-3x per month. They were made aware that I was out of state. My son-in-law would drive by and check on the property while I was away. By Mid February he found that the mortgage company had broken into the back of the house, destroying my burgular bar doors, changed the locks and ransacked my basement. When he drove by the front door was wide open but the burgular bar door was locked. The back of the house had been cleared out (there were old cabinets from the renovations) , and my air condition compressor was missing. The mortgage company admits to entering unlawfully (the property was never foreclosed). They claim to have done this in late November but I was never notified. I filed a police report and I want to seek damages. I cannot afford an attorney. What approach should I take?


Asked on 3/05/12, 10:40 am

1 Answer from Attorneys
Glen Ashman Ashman Law Office also dba Glen Ashman Attorney

You should hire a consumer attorney. If the facts are as you presented, you may have a case against the lender.

I don't know why you say you can't afford one, because many attorneys would take such a case on a contingent fee basis, where you can sue with little or no money up front and the lawyer would collect out of the settlement. Call me at 404-768-3509 or email me at [email protected]. Depending on the factual details, I might be able to assist you.

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Answered on 3/05/12, 10:47 am


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