Dear Friends:

  I want to tell you that our law firm is helping people who are having a hard time paying their mortgages. We have successfully obtained forbearances from national lenders so that there is time to renegotiate the rate.

 There are a number of ways to combat foreclosures.

 The servicing companies that institute foreclosure proceedings often cannot easily find the original note and transfer documents.  As a result, judges in some courts across the country have refused foreclosure.

 We know of one case in Dallas that was dragged out for ten months while the servicer failed to find the proof that they had the right to foreclose.

 In addition, the servicers can be challenged under common law fraud and a variety of consumer protection statutes, including the Deceptive Trade Practices Act and the Truth in Lending Act.  As a result, homeowners can receive offsets for owed balances.

 In emergency situations, we will file temporary restraining orders when necessary to stop a foreclosure.  If you or anyone you know has a loan that is a hardship, please call or email me. We may be able to reduce your rate to 5 percent or less while also getting you some breathing room.

 Tell your friends, family and clients not to file a bankruptcy or let purported lenders take their homes, until they have contacted our firm.

 Truly yours,

 Geoff J. Henley

 HENLEY & HENLEY, P.C.

LANDAMERICA TITLE

2205 N. Henderson Avenue

Dallas, Texas 75206

(214) 821-0222

(214) 821-0124