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
Please gather your most recent mortgage statement, any letters regarding foreclosure or default, your original loan documents (promissory note and deed of trust), or your lease agreement if you are a tenant.
If you cannot afford our services, we recommend seeking out Legal Aid organizations in your state. Resources like TexasLawHelp.org or ConsumerCreditLaw.org can provide guidance and referrals to free or low-cost assistance.
Foreclosure rescue scams are common. You should never pay upfront fees for loan modification services by non-attorneys. If you’ve been scammed, contact us immediately. We can help you file complaints with the Attorney General and FTC, and potentially take legal action to recover your funds.
Simply stopping rent can get you evicted. However, laws (like those in Texas) provide a specific process for requesting repairs. If the landlord fails to act, you may have the right to “repair and deduct” or terminate the lease, but you must follow the legal steps precisely. We can guide you through this.
Tenants have specific due process rights. A landlord cannot just kick you out; they must follow proper court procedures. We can review your eviction notice to see if it was issued correctly and represent you in court to fight the eviction.
Yes. In many cases, filing for Chapter 13 or Chapter 7 bankruptcy triggers an “Automatic Stay.” This acts as a federal court order that immediately stops all collection actions, including foreclosure sales, giving you time to reorganize your finances.
Predatory lending involves unfair terms that set you up to fail. Signs include excessively high interest rates, balloon payments, hidden fees, or the lender inflating your income on the application. We can audit your original loan documents to see if the lender violated the law.
A QWR is a formal legal letter sent to your mortgage servicer requesting specific information or disputing errors. It is a powerful tool because it triggers statutory deadlines and protections. We draft these letters to ensure they are legally binding and effective.
You have rights under federal law (RESPA). We can help you file a “Notice of Error” or a “Qualified Written Request” (QWR). This legally forces the servicer to investigate the error and respond within a set timeframe. If they fail to fix it, you may have grounds for a lawsuit.
Don’t wait for the bank to call you. We can review your financial situation and help you apply for options like a loan modification (changing terms to lower payments), forbearance (temporarily pausing payments), or a repayment plan.
No, but time is critical. Receiving a notice does not mean you are evicted immediately. Contact us right away so we can review the notice for compliance with state laws (such as Texas property codes) and federal regulations. We can explore options to stop or delay the process, such as loss mitigation or filing for bankruptcy.
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.