Creditors' Rights

Attorneys at Hutchens Law Firm have been representing mortgage loan servicers and creditors for more than 35 years. As part of our creditors’ rights services, we handle a breadth of issues including loss mitigation, foreclosure, eviction, consumer litigation, bankruptcy, and REO.

Our attorneys are experienced litigators in all North Carolina state and federal courts, including bankruptcy court. We have successfully filed and argued appeals before the North Carolina Court of Appeals and the North Carolina Supreme Court on behalf of our creditor clients.

Our attorneys are well-versed in such federal laws and regulations as the Fair Debt Collection Practices Act, the Service Member Civil Relief Act, and the Protecting Tenants at Foreclosure Act of 2009.  We know and understand the GSE, Agency and Lender guidelines, the pertinent provision of the CFPB regulations, the applicable provisions of the national settlements involving banks and servicers, and we are experienced in consumer initiated litigation arising out of mortgage loan transactions and servicing activities. Compliance in all of these areas is essential and we have the knowledge and experience to help our clients meet the necessary mandates. Hutchens Law Firm has received a “no objection” determination from Fannie Mae and Freddie Mac for each of the many servicer clients who have requested that review. We have fully executed legal retention agreements from each of the GSEs. In addition, we have 35 years experience in handling FHA and VA default-related matters. 

Hutchens Law Firm has the necessary staff-to-attorney file ratio, the right technology and software to accommodate our default work and safeguard our clients’ confidential information, is able to provide customized reports to meet our clients’ reporting requirements, has established internal quality control policies, and is financially stable. Our firm has been through numerous audits by lenders of all sizes and each of those audits has confirmed those abilities.