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Consumer Law/Mortgage Lender Misconduct

California Consumer Law and Lender Misconduct Attorney

Predatory lending practices have victimized many people just looking for an opportunity to resolve a financial problem or buy a house. At MC Hall & Associates, Attorneys and Counselors at Law in San Francisco, California, we protect the rights of borrowers and work to hold lenders accountable.

Exploiting the Elderly and Less Educated

What may seem like a legitimate lender could turn out to be a company that exploits their own customers or engages in illegal tactics. Their prospective customers do not have stellar credit ratings. Targets also include the elderly and those who are not well educated. Those people find themselves in a situation where they need to refinance their mortgage because of a need to consolidate debt or prevent a foreclosure.

Predatory Lending and Lender Misconduct Practices

Predatory lenders are not worried about your ability to repay a loan. They will strip away the equity of your house, pack your loan with high fees or premium insurance, or flip the mortgage by constantly encouraging refinancing. You need an aggressive advocate who can identify their unethical or illegal activities and hold them accountable.

Legal Protection for You from Lender Misconduct

At MC Hall and Associates, we have 26 years of experience in the practice of real estate law, and we have experience representing victims of unscrupulous lending practices. There are laws in place to protect borrowers:

  • Truth in Lending Act (TILA)
  • Home Ownership and Equity Protection Act (HOEPA)
  • Real Estate Settlement Procedures Act (RESPA)

Crafty lending companies still get around those laws with technicalities. If your lender is engaged in these activities, you are entitled to receive compensation.

Contact Us

For more information, or to schedule an appointment with an experienced real estate lawyer regarding lender misconduct, please contact us by e-mail or call us at 415-512-9865.