Foreclosing residential and commercial mortgages in all of the New England states, Demerle & Associates, P.C. has more than 150 years of mortgage default servicing experience.  D&A has the privilege of representing a broad cross-section of clients: national loan servicers, asset management companies holding billions of dollars of mortgage loans, business-purpose loan originators, New England-based lenders, etc.  The firm is approved to handle loans for both Fannie Mae and Freddie Mac.

Clients of D&A have the advantage of consulting with attorneys with decades of legal experience in their practice areas – e.g., foreclosure and title curative, mortgage litigation and bankruptcy, post-foreclosure eviction actions and residential/commercial transactional work – and in their specific states.  D&A offers its clients a comprehensive legal team who can solve legal problems as well as anticipate complications.  On the logistics side, D&A has enough experience in default servicing that we can meet our clients wherever they need us – e.g., drafting default and acceleration notices, filling out 410A forms for proofs of claim, etc.  With D&A, our clients avoid delays and move more quickly towards their goals

Among the services that D&A offers:

• Foreclosing commercial and residential mortgages, judicially and non-judicially, from first legal through REO sale.
• Asserting creditors’ claims in the U.S. Bankruptcy Courts by drafting and filing proofs of claim, filing motions for relief from stay, reviewing and objecting to bankruptcy plans of reorganization as well as prosecuting and defending adversary proceedings, etc.
• Defending against mortgage-related litigation involving claims under FDCPA, TILA, RESPA and state law claims, including actions that seek to enjoin foreclosure sales.
• Defending against HOA lien actions in order to protect clients’ lien positions and to ensure clients pay the absolute minimum to resolve those actions.
• Defending against state and municipal code enforcement actions to preserve clients’ collateral while also preserving as much equity as possible to allow the clients to recover their payoff amounts.