Comprehensive Legal Protection for Homeowners and Tenants
At Cannon Legal PLLC, we specialize in resolving high-stakes housing issues. The mortgage and real estate system is complex, often leaving consumers feeling powerless against large financial institutions. We level the playing field.
Expert Legal Help for Housing Rights, RESPA Disputes, & Foreclosure Defense
Our services focus on keeping you in your home and holding bad actors accountable. We assist with:
- Foreclosure Defense: analyzing your situation to stop or delay proceedings and exploring loss mitigation options.
- Mortgage Servicing Disputes: Using federal laws (RESPA) to correct misapplied payments, fight illegal fees, and force servicers to provide accurate information via Qualified Written Requests (QWR).
- Predatory Lending Review: Identifying deceptive loan terms, hidden fees, or high-pressure tactics that violate consumer protection laws.
- Housing & Tenant Rights: Representing consumers in wrongful eviction cases, failure-to-repair disputes, and lease violations.
Fees and Consultation We understand that housing issues often come with financial stress. We offer a consultation to review your specific mortgage or lease documents and discuss your legal options. Our fee structure varies depending on the complexity of your case and the type of defense required, which we will discuss transparently before we begin.
Your Shield Against Housing Injustice
When your home is on the line, you need a firm that understands both federal housing regulations and local real estate laws. Here is why US consumers choose Cannon Legal PLLC:
- Aggressive Nationwide Representation: We have deep experience helping thousands of consumers across the country fight back against powerful lenders and landlords.
- Expertise in Mortgage Law: We don’t just dabble in real estate; we specialize in the complex regulations (like RESPA and TILA) that banks must follow—and we catch them when they don’t.
- We Buy You Time: Whether through filing bankruptcy to invoke an automatic stay or challenging a foreclosure notice, our goal is to give you the breathing room needed to resolve your financial situation.
- Detailed Document Analysis: We comb through your loan documents or lease agreements to find technical errors or predatory terms that can be used as leverage in your defense.
Holistic Solutions: We don’t just look at one angle; we explore loan modifications, settlements, bankruptcy, and litigation to find the best path forward for your family.
Common Questions About Mortgage and Housing Legal Issues
In many cases, filing bankruptcy, particularly Chapter 13, can temporarily stop a foreclosure by invoking an automatic stay. This can provide time to explore options like catching up on missed payments through a repayment plan.
We can help you send a formal Notice of Error to your servicer and explore legal action if they fail to correct the errors or comply with federal regulations. You also have the option to file complaints with regulatory agencies like the CFPB.
Predatory lending involves unfair or deceptive loan terms that take advantage of borrowers. This can include excessively high interest rates, hidden fees, or deceptive practices. We can review your loan documents to determine if your loan may be predatory and advise you on potential legal remedies.
Time is critical. Contact us immediately so we can review the notice for compliance with Texas law, discuss your options for stopping or delaying the foreclosure, such as loss mitigation or bankruptcy, and explore potential legal defenses.
A QWR is a formal written request to your mortgage servicer about errors or for information about your loan. Sending a QWR triggers the servicer’s legal duty to respond and investigate your concerns, which can help resolve issues like misapplied payments or incorrect fees.
We can review your situation and help you understand options like loan modification, forbearance, repayment plans, or other loss mitigation programs offered by your lender. We can also advise you on the foreclosure process in Texas.