RCO Legal, P.S. is dedicated to representing creditors in consumer, mortgage, and commercial finance. With flagship services in foreclosure, bankruptcy, eviction, replevin, title curative and related litigation, RCO also provides loss mitigation, REO closing, regulatory compliance and educational services to our clients in 12 states. RCO is proudly celebrating 20 years of service to the financial industry and is approved by our clients to process loans of all types including HUD, VA, Fannie Mae and Freddie Mac.
Our experienced judicial foreclosure attorneys provide representation to both large and small financial institutions. We increase our attorney and staff productivity and compliance through strategic technology use.
Our bankruptcy attorneys have deep roots in their local jurisdictions and a comprehensive understanding of the requirements to defend adversary litigation, file motions for relief from stay, proofs of claim, and reaffirmation agreements. Because RCO Legal utilizes a fully automated process, both staff and attorneys are able to quickly respond to client status requests within a variety of reporting systems.
Our experienced attorneys and support staff are well trained to negotiate an eviction in the most positive and judicious manner possible. No matter the course of the eviction, we work with judges, opposing counsel, and the unrepresented borrower to avoid lengthy litigation that would otherwise lead to unrecoverable costs to the REO servicer.
Our mediation attorneys have been at the forefront of the development of each of the foreclosure mediation programs developed in Nevada, Oregon, and Washington. We insure compliance with HAMP, servicer guidelines, and other loss mitigation requirements such as CFPB, and our mediation attorneys have effectively represented financial institutions in thousands of foreclosure mediations. We also handle requests for pre-foreclosure meetings, drafting loss mitigation agreements, and non-mediation loss mitigation negotiations involving short sales, modifications, cash-for-keys, and deeds-in-lieu of foreclosure.
Our skilled attorneys have experience representing lenders and foreclosure trustees in civil trial and appellate practice in state and federal jurisdictions. Other areas of expertise include:
-HOA and COA related litigation
-Demand letter preparation
-Suit on Notes