Homeowner Justice Information & Referrals
Polanco Firm Association, a private ecclesiastical homeowner justice collective, doing business as “The Polanco Firm.”
We help homeowners in foreclosure understand what’s really happening in their case and find aligned legal resources and referrals—without phone calls, Zoom, or legal advice.
Why you’re really here
Most homeowners are given one story: “You defaulted. There is no remedy.”
That story conveniently ignores service tricks, assignment games, standing problems, and foreclosure abuse patterns that show up again and again in the records.
If you’re here, it’s probably because:
Multiple Foreclosures
You’ve been through more than one foreclosure on the same loan.
Multiple Assignments
Assignments and “owners” keep changing without clear explanation.
Crazy Feeling?
You’ve been made to feel crazy for noticing things that don’t add up.
You suspect something is deeply off. You just don’t have the language or roadmap yet.
What The Polanco Firm actually does
We are an information and referral hub for homeowners in foreclosure. We focus on:
Common Patterns
Explaining common patterns of bank and attorney misconduct in plain language.
Organization
Helping you organize your own facts, documents, and timelines.
Resources
Pointing you toward attorneys, legal aid, nonprofits, & oversight channels.
We are not a law firm.
We do not give legal advice or represent anyone in court.
Why this isn’t just another “foreclosure help” site
The Polanco Firm was born from real-world litigation experience, not theory.
We’ve seen how banks, servicers, and counsel weaponize confusion and shame against homeowners who don’t know the patterns.
Instead of vague “hope” or generic tips, we focus on:
Supported
Naming patterns so you stop thinking it’s just you, and giving you solid facts to stand on.
Paperwork Patterns
Showing you where those patterns usually show up in the paperwork.
Questions?
Giving you better questions and frameworks to bring to your own attorney or legal aid.
Who this is for (and not for)
Active foreclosure
Homeowners in active or recent foreclosure.
Organize facts
People who want to learn, read, and organize their own case facts.
Prepared
Those willing to approach attorneys and legal groups more prepared and less afraid.
Real solutions
Individuals who know something is wrong but don’t want fantasy solutions.
Guaranteed
Anyone seeking guaranteed outcomes or “secret tricks.”
Not involved
People who want someone else to “take over” their case.
Legal advice
Those looking for legal representation or legal advice.
Curiosity
Casual curiosity with no intent to take responsibility.
How The Polanco Firm fits into your process
Start the Process Here
Learn how service, assignments, standing, and FAPA actually work in practice. This gives you a working map for what you’re experiencing.
Study Guides & Resources
Use our checklists, question lists, and interview guides to prepare yourself before you talk to any attorney or legal group. You’ll waste less time and feel less lost.
Use Referrals to Find Help
Visit our Referrals page to find: 1. Foreclosure / consumer attorneys. 2. Legal aid and nonprofit links. 3. Oversight and complaint routes
We do not recommend or endorse specific attorneys as your counsel. We point you toward options and give you tools to vet them better.
Clear boundary, out of respect for you and the law
The Polanco Firm is not a law firm.
We do not:
Provide legal advice
Represent you in court
Draft or file legal documents for you
Everything we provide is information, education, and referral.
Any legal decisions you make, and any attorney you choose to work with, are entirely your responsibility.
Your next step
If this resonates, your next move is not to panic—it’s to get oriented. Start by understanding the patterns, then move toward the right kind of help.