Go to Top

Held Up Without a Gun (or a Home)

Imagine living in one home for over 30 years. You’ve poured your hard-earned money into this home with the hopes of making it as safe and comfortable as possible for you and your family. In a very fundamental way, your world is that home.

Then, one day there’s a knock at the door. You answer it, only to find cops standing there. Their guns are drawn and they’ve come with only one message. Eviction. The bank has sent them and you’re to be out of the house immediately.

The reason?

You missed one mortgage payment.

If this scenario sounds far-fetched, we’d invite you to check out a recent article on The Huffington Post that details how this horror came about. A story where the bank employed high-pressure tactics to rush a signature on a load modification the full details of which either were never presented to the borrower or were intentionally misstated as stealth means to initiate the foreclosure process.

Stories of this kind are far too familiar. And despair only creeps in when one thinks of how fraud has so thoroughly tainted the foreclosure process and the extent to which the government is complicit in enabling this corruption. Sad, tragic, criminal.

Please be advised that this article does not constitute legal advice nor does it provide any basis to form an attorney-client relationship. Nothing in this article should be copied without the express permission of the author.

Mr. Hounchell has a law degree from The University of Florida College of Law and he is a principal in The Law Offices Charles A. Hounchell, P.A., in Tampa, Florida. Mr. Hounchell earned his undergraduate degree from The George Washington University in Washington D.C. and he obtained his MBA in International Management from the American Graduate School of International Management (“Thunderbird”) in Glendale, Arizona.

Mr. Hounchell is a licensed title insurance agent and a real estate agent with Smith and Associates, Inc. http://www.smithandassociates.com/; http://www.livecasanova.com/. He has lived in many different countries, including Spain, Brazil, Argentina, Mexico and Germany and he speaks Spanish and Portuguese. A significant portion of Mr. Hounchell’s law practice is concentrated on Real Estate Law. He can be reached at 813-230-3376 or charlie@flpropertylaw.com.