Utah is a “nonjudicial” foreclosure state, meaning lenders can move quickly without a judge. We act as your shield to slow down the process and force a fair resolution.

• The 3-Month Window: Once a “Notice of Default” is recorded, you have exactly three months to cure the debt. We help you maximize this time.

• Loss Mitigation: We guide you through loan modifications, forbearances, and the Utah Homeowners Assistance Fund (HAF) (active through 2026).

• Automatic Stay: We use legal filings to stop foreclosure sales in their tracks, giving you the breathing room to restructure.

Is your bank misapplying payments or charging “junk fees”? We use Qualified Written Requests (QWR) to force transparency.

• Payment Audits: We catch “force-placed” insurance errors and escrow overcharges.

• Federal Litigation: If a servicer fails to respond or correct errors, we sue under the Real Estate Settlement Procedures Act (RESPA).

Utah eviction laws are some of the fastest in the nation. If you receive a 3-Day Notice, you must act immediately to avoid “treble damages” (paying triple rent).

• Eviction Defense: We challenge wrongful evictions and “self-help” tactics (like lockouts or utility shut-offs).

• Habitability Claims: We hold landlords accountable for failing to maintain safe and sanitary living conditions under the Utah Fit Premises Act.