{"id":271,"date":"2018-12-28T00:51:54","date_gmt":"2018-12-28T00:51:54","guid":{"rendered":"http:\/\/mortgagemodificationri.com\/blog\/?p=271"},"modified":"2019-02-05T03:38:31","modified_gmt":"2019-02-05T03:38:31","slug":"dual-tracking","status":"publish","type":"post","link":"http:\/\/mortgagemodificationri.com\/blog\/2018\/12\/28\/dual-tracking\/","title":{"rendered":"Dual Tracking"},"content":{"rendered":"\n<p>There are times when mortgage companies work with homeowners to avoid <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/11\/05\/foreclosure\/\">foreclosure<\/a> . For example, by trying to negotiate a mortgage modification. However, sometimes at the same time that the mortgage companies are working with the homeowners, the company is also starting the foreclosure process. If the homeowner and mortgage company aren\u2019t able to enter into an agreement, then the mortgage company puts the home into foreclosure right away. Most times, the homeowner is not even aware that the mortgage company is starting the foreclosure process behind their backs. This is called <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure\/\">dual tracking<\/a>. <\/p>\n\n\n\n<p>Dual tracking used to be much more common. Fortunately, the <a href=\"https:\/\/www.consumerfinance.gov\/\">Consumer Financial Protection Bureau<\/a> has limited this practice. If a homeowner has submitted a complete <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/09\/18\/rhode-island-mortgage-modifications\/\">mortgage modification<\/a> application, then the mortgage company cannot start the <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/11\/05\/foreclosure\/\">foreclosure<\/a> process. Further, the mortgage company cannot start the foreclosure process until the mortgage is more than 120 days past due. This is to give the homeowners time to submit an application for a mortgage modification, or another similar method to avoid foreclosure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Mortgage Modification Center<\/h2>\n\n\n\n<p>\nIf you have any questions about mortgage modifications, please reach out to the <a href=\"http:\/\/mortgagemodificationri.com\/\">Mortgage Modification Center<\/a> at (401) 467-7998. <a href=\"https:\/\/www.law-ri.com\/\">Attorney John S. Simonian<\/a> offers a free initial consultation, and has helped numerous families stay in their homes and avoid foreclosure.\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are times when mortgage companies work with homeowners to avoid foreclosure . For example, by trying to negotiate a mortgage modification. However, sometimes at the same time that the mortgage companies are working with the homeowners, the company is &hellip;<a class=\"rm\" href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/12\/28\/dual-tracking\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[60,3],"tags":[86,5,54,24],"class_list":["post-271","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-modification","category-mortgage-modification","tag-dual-tracking","tag-loan-modification","tag-mortgage-modification-attorney","tag-mortgage-modification-center"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dual Tracking &#8226; Mortgage Modification Center &#8226; Rhode Island<\/title>\n<meta name=\"description\" content=\"Dual tracking is when a mortgage company tries to work with a homeowner while also initiating the foreclosure process at the same time.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/12\/28\/dual-tracking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dual Tracking &#8226; Mortgage Modification Center &#8226; Rhode Island\" \/>\n<meta property=\"og:description\" content=\"Dual tracking is when a mortgage company tries to work with a homeowner while also initiating the foreclosure process at the same time.\" \/>\n<meta property=\"og:url\" content=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/12\/28\/dual-tracking\/\" \/>\n<meta property=\"og:site_name\" content=\"Mortgage Modification Center RI\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RealEstateFLLaw\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/RealEstateFLLaw\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-28T00:51:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-02-05T03:38:31+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/mortgagemodificationri.com\/blog\/wp-content\/uploads\/2018\/12\/Simonian-Logo-e1549573130573.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"218\" \/>\n\t<meta property=\"og:image:height\" content=\"218\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Attorney John Simonian\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Attorney John Simonian\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"http:\/\/mortgagemodificationri.com\/blog\/2018\/12\/28\/dual-tracking\/\",\"url\":\"http:\/\/mortgagemodificationri.com\/blog\/2018\/12\/28\/dual-tracking\/\",\"name\":\"Dual Tracking &#8226; 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