About Michael Brotherton Expertise Consumer/Debtor Rights Advocate.
Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years.
We are well versed in Loss Mitigation practices and the legal collection process. We have helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com.
We actively promote Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY.
Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be.
Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems.
www.financialemergency.com (copy and paste in browser).
Experience 28 years in financial services industry as a loan officer and debt collctor. Developed bankruptcy and loss prevention manual for large finance company for manager training. 15 years as a debt counselor and consumer advocate.
Education/Credentials Veterans sponsored OJT Manager Candidate Scool for AVCO Financial Services, Keystones to Management for ITT Financial Services, Certified Finance Management for Associates Financial Services.
Question My husband purchased a truck before we purchased our home. The year we moved into our home, we let the truck go back (it was repossessed).Now 6 or 7 years have passed. And the economy the way it is, my husband lost his job in Sept. 2008. He went without finding a job for 7 months. He has finally, by the grace of God, landed a job 1 week ago today. Now we got behind on all of our bills ( Mortgage etc...) We found out today through our bank while trying to make arrangements with the past due mortgage payments (the bank gave us 3 months of debt relief due to hardship , but 2 weeks before this, we were served with foreclosure ( the beginning process of foreclosure) papers. Then they gave us 3 months of debt relief etc... We have been told by the bank that this ford fairlane credit put a lein on our house. Can they due this without us knowing about it ,even though the truck was repoed 6 or 7 years ago? And can they take anything else that is in my husbands name or mine, even though my name was not on the truck loan and what actions ( if any) can we take ?
Answer First with regard to the foreclosure it is not too late to fix the problem. 99% of mortgage companies have workout programs that will give you a fresh start. I can help with this if you need help. Call 937 372 8581.
With regard to the lien, in most states they may only place a lien on your home if they have a judgment through the courts. They would have had to notify you of the proceedings and give you a chance to defend yourself. They may be lying so don't trust what they say until you can verify it.
You may be able to check the courts on line whether there was a suit filed against you. You can go to Google or Yahoo and type in your county clerk of courts and look for your local municipal court. Type in your name and search the court database for any suits against you. Or you may call the courts and see if they will confirm whether any suits were filed by the creditor. This will tell you whether they may have a proper lien against your home.
I have a lot of questions and would like to help so if you would like to resolve your situation call me. 937 372 8581.
