This is the electronic version of the 440 page book, "23 Legal Defenses to Foreclosure: How to Beat the Bank."   Buy the book in print at http://www.amazon.com/23-Legal-Defenses-Foreclosure-Beat/dp/1438278195/

23 Legal Defenses to Foreclosure breaks down 23 powerful foreclosure defenses into easy-to-understand chapters. Each chapter is packed with useful information that you can use directly in court in any state. The book includes: legal letters, forms, motions, an "Answer" to the lawsuit, and sample discovery to get damaging information directly from the bank. It includes recommended strategies for fighting foreclosure, and checklists that make this book easy enough for anyone to understand. Each chapter incorporates a section of the possible damages available for each defense - including how to cancel the loan and get a refund of all money paid to the lender. Defenses include TILA, HOEPA, RESPA, FDCPA, FCRA and more.  

This book was written by Troy Doucet, the administrator of this website. 

Troy Doucet is a Capital University Law School  graduate, magna cum laude, who assists attorneys throughout the United States in their efforts to combat foreclosure. He regularly audits loans for TILA and HOEPA violations, as well as for the other defenses contained in his book, 23 Legal Defenses to Foreclosure: How to Beat the Bank.  He published 23 Legal Defenses in August, 2008, then published an integrated copy of Regulation Z in 2009, titled Regulation Z of the Truth in Lending Act: 12 C.F.R. Part 226.  He has appeared several times on CNN’s Houston radio affiliate, CNN650, discussing foreclosure and debt collection law.  He held a foreclosure audit training seminar in Washington, D.C. for a team of attorneys.

Mr. Doucet owned a mortgage firm for several years, fighting tirelessly to save homeowners money.  In 2004, Broker magazine featured him as its cover story when he proposed the mortgage industry eliminate junk fees from all mortgages.  Mr. Doucet eliminated all junk fees from his company’s loans early on, and grew the firm quickly.  In 2006, Mr. Doucet left the industry to pursue academic goals.

Mr. Doucet completed law school in Columbus, Ohio, ranked in the 5^th percentile of his class.  He has taken multiple consumer and litigation based classes, earning the top grade in Real Estate Finance Law and Legal Drafting (Transactional).  He completed an externship with a federal district court in the Southern District of Ohio in 2009, and currently actively volunteers with The Legal Aid Society of Columbus’ foreclosure litigation section.

Please note that this book is licensed for individual use only.  You are not permitted to distribute it without prior written permission by the author.   If you would prefer to purchase and receive the print version via mail, please visit our publisher's website at https://www.createspace.com/3349582.

Testimonials

Thumbs Up!
Attorney James Villere, Pennsylvania 

“What a great manual for protecting consumers and fighting the banks! You lay out each strategy of attack in layman's terms, yet still provide the legal references and citations that provide the firepower to win.”
E.J.Simonsen, Texas
www.HomeSolutionCounselors.com 

“I commend you on writing this book, especially at a time of great need to hundreds of thousands of homeowners faced with the prospect of losing their home. Hopefully many of these same homeowners will find their way to your book, and hopefully out of the foreclosure process.”
Realtor Mike Sikorski, Port Charlotte, FL
www.FloridaRealty.net 

“I have just finished reading your book for the 2nd time (in a week)…. I teach continuing education to attorneys, Mortgage Brokers, Realtors, CPA’s and Financial Planners, currently on the topic of foreclosure and loss mitigation techniques. Your book is the first resource that I’ve found that actually explains things in a way ANYONE can understand. I’ve been working for about a year on completing a book, just like yours- now that I’ve read yours- all I can say is … I couldn’t done it better myself so- rather than complete my book… I’m just going to start telling my clients to buy yours!!! Kudos for putting together such a fantastic resource!!!!”
Mike Citron, Florida
www.mikecitron.com 

“I found the book to be very helpful. I found the book very easy to navigate. I especially liked the bullet points in each chapter stating whether the defense would apply to the reader's situation. Your section discussing goals of the lawsuit was also helpful in allowing me carefully consider how I wanted to handle the case. I will definitely refer to this book again when handling foreclosure defense cases...”
Attorney D. Macready, Miami, Florida 

“This will help us tremendously and we are grateful for the information and knowledge to fight for our home as victims of predatory lending practices.”
June R., San Diego, California 

“The book was very informative. I appreciate all of the knowledge and research that has been put into your effort.”
Shamane M., Michigan 

“Troy, thanks for this book. It's a great resource for all of us in these difficult times.”
David Y. 

“Thank you for all you do for the consumer.”
Randy K., Las Vegas 

“This is more ammunition in our arsenal... I wish you the best of success in launching your book, but I have to be honest with you. I hope it doesn't get to the hands of our competitors. No not yet!!!!”
Henry F., Chicago, IL 

“My husband is a real estate investor and has bought your book, read thru it once, then had it spiral bound and is going over it a 2nd time now. He loves it!”
Ellen B. 

“EXCELLENT book!”
Angelo T, California 

“VERY good book, and central to our message to consumers.”
Jason S., Washington 

“Thanks, you are awesome! I wish you lots of success.”
Victor B., Florida Keys