Foreclosure Defense
Educating homeowners on their rights for saving their home
Stone Legal Solutions, the region’s leading boutique paralegal firm for more than three decades
Welcome to Stone Legal Solutions
At Stone Legal Solutions, our priority is saving your home from the devastation of foreclosure.
An unavoidable life event may have put you at risk of losing your home. Whether you just got served with a foreclosure summons or your home is scheduled for auction, we have options and SOLUTIONS.
For more than 30 years, we have helped individuals and businesses in need of all types of real estate negotiations from residential loss mitigation to commercial tax abatement for construction.
No case is too big or too small.
News

Instincts, research, and knowledge can help potential home buyers avoid being caught up in mortgage scams, but even diligent consumers can become victims. Mortgages can be complex and challenging to understand and this complexity can cause confusion. Many mortgage-related scams have been around for years but have evolved as consumers become more informed and home buying technology has advanced. A common mortgage scam is a version of the old “bait and switch”. A home buyer may be attracted to a lender by promises of a guarantee of loan approval, low-interest rates or no closing costs. Once applying and then closing on the loan, the home buyer may discover that their interest rates have increased or they don’t qualify for certain benefits. This is a scam in that the lender advertises these extremely low rates and no closing costs knowing just a few, very well qualified borrowers will be able to take advantage of them. The majority of borrowers will not. Some unscrupulous lenders will offer an attractive rate but there may be a large non-refundable upfront loan fee or deposit. If the lender changes the rate through the loan process, the borrower may be forced into accepting the higher rate or losing their deposit. Another form of mortgage fraud involves over-appraising the value of a home in order to increase the amount of funds available to a homeowner. While this may sound appealing, it can place a buyer in unwieldy unnecessary debt. In addition, should home values drop, borrowers can quickly find themselves “underwater” or “upside down” in their loans, owing more than the home is actually worth. Buyers can help avoid mortgage scams by understanding the mortgage process and working only with reputable lenders. There are mortgage products designed to help less-qualified borrowers get funding for a home, but like any mortgage, borrowers should be clear about the fees, rates, and terms of such loans.

An increasing number of people are turning to the internet for all sorts of advice. Fashion advice. Medical advice. Marriage advice and Legal Advice. Lawyers are allowed to give general answers to legal questions posed by laypeople on social media, chat rooms, blogs, websites, and other internet platforms. But they cannot provide specific legal advice. It's strongly recommended that you don’t solely turn to the Internet for legal advice, because it could end up costing you a whole lot more than you expected. It's best to seek out help from professionals based on your specific situation.