Mountain State Justice provides aggressive legal advocacy on behalf of low-income West Virginians to ensure access to the civil justice system for the vindication and protection of their rights.🔒 SSL Verified

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"The Fores have lived in their family home for nearly forty years. In 2006, the Fores owned their home free and clear of any debt. But, seeing advertisements about low interest rates, the Fores decided to take out a mortgage to help their daughter purchase a mobile home to place on their land. After they responded to a lender’s advertisement, the lender obtained a fraudulent appraisal that placed an inflated value on the Fores’ modest home. With the inflated appraisal in hand, the lender pressured the Fores to take out more money than they wanted. Excited about helping their daughter, and trusting the lender, the Fores were tricked into entering two large, expensive loans."

"The next year, the Fores were shocked when their payments nearly doubled. At risk of losing their home, the Fores applied for a loan modification with the loan’s new owner.  The Fores complied with every request the bank made, only to be told time and time again that their file was “under review,” but that the bank would eventually modify the loan to a lower payment. Despite these promises, though, in October 2010, the bank foreclosed on their home."

"The Fores learned that the bank had foreclosed when they found a note on their door.  The Fores panicked — until they found Mountain State Justice. After meeting with the Fores and learning their story, Mountain State Justice represented the Fores in a lawsuit to combat the abusive and illegal conduct of their mortgage lender and servicer. With Mountain State Justice’s representation, the foreclosure sale on the Fores’ home was undone.  The Fores now live, safely and without fear of foreclosure, in their long-term home with their daughter and grandchildren next door."

"Mountain State Justice is committed to helping West Virginians like the Fores stand up against predatory lending and abusive loan servicing."

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