“We proudly assist homeowners and borrowers in every state across the country. Our foreclosure defense, mortgage cancellation, and equity recovery services are available nationwide, giving clients the tools, representation, and protection they need—no matter where they live.

OUR VISION

“Stop Foreclosure Now”

Facing Foreclosure?

We Can Stop It — Even If a Sale Date Is Scheduled or has already occurred

Protect your home, cancel the foreclosure, and restructure your mortgage with the help of an experienced foreclosure defense attorney. It is even possible to CANCEL THE ENTIRE MORTGAGE.

The Pain

“I just got a Notice of Default… What now?”

Behind on mortgage payments?
Received a Notice of Default or Sale?
Worried about losing your home and damaging your credit?

You’re not alone — thousands of California homeowners face foreclosure every year. But with the right defense, you can stop the process.

The Solution

Here’s how we can help you immediately:

✅ Stop foreclosure sales through court filings or bankruptcy protections

✅ Demand lender compliance with California or local foreclosure laws

✅ Negotiate loan modifications, repayment plans, or principal reductions

✅ Protect your rights and clear the cloud on your title

Why Choose Us

Over 33 years of legal experience in foreclosure defense

Helped save thousands of homes from foreclosure

Free consultation – no upfront obligation

Local knowledge of most courts & lenders

(Al McZeal “As Seen On Martindale / Nolo / Avvo”

Call to Action

Don’t Wait – Every Day Counts

A foreclosure sale can be scheduled in as little as 21 days. Take action now to protect your home and your family.

📞 Call us now at 832-623-4418 or complete the form above for immediate help.

Testimonials

“Mr. Al helped me stop my foreclosure the week before the sale and got my loan restructured. I still live in my home today.” — J.S., Los Angeles

Stop Foreclosure
Mortgage Cancellation (FRAUD)
Eviction Consulting
FRAUD Audit for Lawsuit
Corporate Finance
Trust Management
Asset Management
Strategic Planning to help you Win.
Lawsuit Software
Bankruptcy Software
Businness Consulting

Click Button To Cancel Your Mortgage OR CLICK HERE

Our Services

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🛡️ Foreclosure Defense & Mortgage Litigation

Stop Foreclosure Sales Immediately (Emergency Legal Action)

Challenge Unlawful Foreclosure Notices

File Quiet Title Actions to Clear Clouded Title
Federal Lawsuits for Federal Violations

Creation of Trust For Protection of the Property

Creation of UCC 1 Liens against the property to avoid foreclosure

Recording of Warranty and Grant Deeds with the County Recorder's Ofice

📍

Foreclosure Defense - Get Started For Free

5 Minute Foreclosure Questionaire

💼 Mortgage Cancellation & Discharge

Legal Mortgage Note Cancellation under UCC
Mortgage Lien Removal Services
Promissory Note Verification & Forensic Analysis
Mortgage Securitization Audit Services
TILA/RESPA/UCC Document Challenges

Mortgage Cancellation and Discharge

⚖️ Mortgage Cancellation & Discharge Services

What It Means

Mortgage Cancellation: When a mortgage, deed of trust, or lien is declared invalid, void, or unenforceable through legal action (fraud, forgery, predatory lending, or improper assignment).
Mortgage Discharge (Satisfaction/Reconveyance): When a mortgage debt is paid off or rescinded, and the lender or trustee must record a release to clear title.

Legal Grounds for Cancellation

Fraud & Forgery: Forged signatures, false notarizations, fraudulent loan documents (Wutzke v. Bill Reid Painting Serv., 151 Cal.App.3d 36).

Predatory Lending & TILA Violations: Truth in Lending Act rescission rights if required disclosures were withheld.

Chain of Title Breaks: Improper assignments, robo-signers, or invalid substitutions of trustee (Yvanova v. New Century Mortgage Corp., 62 Cal.4th 919).

Debt Already Satisfied: Failure to reconvey or discharge mortgage after payoff (Cal. Civ. Code § 2941).

Unconscionable/Illegal Terms: Loans violating usury or consumer protection laws.

Remedies We Pursue

Quiet Title & Cancellation of Instrument – declare mortgage void and remove lien.

Declaratory Judgment – court order confirming no enforceable mortgage.

Injunctive Relief – stop foreclosure while cancellation claim proceeds.

Damages – restitution for wrongful mortgage collection.

Recording of Satisfaction – ensure county records reflect lien discharge.

Client Benefits

✅ Clear property title free of invalid liens

✅ Protection from foreclosure or wrongful collection

✅ Recovery of equity lost to fraudulent or illegal mortgages

✅ Peace of mind knowing title is clean and marketable

What We do

:
“We Don’t Just Delay Foreclosure — We Cancel Invalid Mortgages.”

If your mortgage was created through fraud, improper assignments, or predatory lending, you may not just stop foreclosure — you may be able to cancel the mortgage entirely and reclaim clear title to your property.

Our legal team reviews every recorded document, identifies defects, and pursues mortgage cancellation and discharge actions in court to protect your rights.

FROM AL MCZEAL

Subject: Clear Your Mortgage and Restore Your Title

Dearfriend,

I specialize in cases where homeowners are burdened with fraudulent, predatory, or invalid mortgages. Through actions for quiet title, cancellation of instruments, and discharge of liens, I can work to have your mortgage canceled and removed from the record.

This means you could eliminate a defective lien, restore your equity, and protect your property from foreclosure.

Let me know a convenient time to discuss your situation. This service is available nationwide and can often be the key to saving both your home and your financial stability.

Sincerely,
Advocate Litigator® – Mr. Al McZeal
Attorney--in-fact— Mortgage Cancellation & Discharge Specialist

Phone: 832-623-4418

Email: almczeal@gmail.com

Get Started Free - Free Evaluation

Recovery of Equity - due to FRAUD

⚖️ Recovery of Equity Due to Fraud – Service Framework

1. What It Is

A legal service aimed at restoring the homeowner’s equity where their property was taken, encumbered, or sold through fraudulent means, including:

Forged or fraudulent grant deeds / quitclaim deeds

False notarizations or robo-signed instruments

Predatory loans (e.g., inflated appraisals, undisclosed terms, bait-and-switch)

Wrongful foreclosure (dual tracking, RESPA/HBOR violations, illegal trustee sale)

Fraudulent liens or mechanics’ liens clouding title
Equity siphoned by equity skimming schemes

2. Legal Tools Available

Quiet Title & Cancellation of Instruments (CCP § 760.010 et seq. in California; similar statutes nationwide)

Civil Code § 3412 (California) – cancellation of void/voidable documents

Rescission of Fraudulent Deeds (case law: Wutzke v. Bill Reid Painting Serv., 151 Cal.App.3d 36)

Constructive Trust / Equitable Lien – court orders wrongdoers to hold property/funds in trust for victim (Star Pacific Investments v. Oro Hills Ranch, Inc., 121 Cal.App.3d 447)

Unjust Enrichment / Restitution – reclaim equity skimmed by fraudulent actors

RICO (18 USC §§ 1961–1968) – in federal court if fraud was systematic and involved mail/wire fraud

Bankruptcy Adversary Proceedings – to void fraudulent transfers under 11 U.S.C. § 548

3. The Equity Recovery Path

Step 1: Forensic Title Audit

Pull every recorded document (grant deeds, DOTs, assignments, substitutions, trustee’s deeds).

Identify fraud indicators (mismatched signatures, robo-signers, improper notary stamps, timing gaps).

Step 2: Identify the “Equity Gap”

Calculate value of home at time of fraudulent transaction.

Subtract legitimate liens.

Net = equity stolen.

Step 3: File Action

Quiet Title & Cancellation of Instrument (state court).

TRO / Preliminary Injunction to halt sale or eviction.

Damages claim against fraudulent parties (including punitive damages).

Step 4: Parallel Remedies

File complaints with DA, AG, CFPB, State Bar (if attorneys involved).

Bankruptcy adversary to claw back fraudulent transfers.

Federal civil rights claims if foreclosure conducted under color of state law (42 USC § 1983).

Title Audit Forensic Services

⚖️ Title Audit Services

What It Is

A Title Audit is a detailed review of all documents recorded against a property to uncover defects, fraud, and risks that could affect ownership or equity. We don’t just pull a title report — we analyze every instrument to find red flags that other companies overlook.

Why Clients Need It

Prevent Wrongful Foreclosure – expose improper assignments, robo-signers, or broken chains of title.

Recover Equity Lost to Fraud – identify forged deeds, fraudulent liens, or illegal trustee sales.

Protect Ownership Rights – confirm whether liens or mortgages were validly recorded, satisfied, or should be canceled.

Prepare for Quiet Title Actions – build the evidence needed to cancel fraudulent instruments or clear clouds on title.

Peace of Mind – ensure that ownership is clean, marketable, and defensible.

What We Review

Deeds: Grant Deeds, Quitclaim Deeds, Trustee’s Deeds Upon Sale

Mortgages/Deeds of Trust: Original DOT, all Assignments, Substitutions of Trustee, Reconveyances

Liens: Tax liens, judgment liens, mechanics’ liens

Foreclosure Notices: NOD, Notice of Sale, Rescissions, Trustee’s Deeds

Notary/Signature Issues: Forged signatures, false notarizations, robo-signing

Chain of Title: Ownership transfers from original owner to present

Deliverables

Title Audit Report – easy-to-read written analysis with timeline of transactions

Defect Summary – list of all potential legal challenges (fraud, forgery, improper assignment, etc.)

Action Plan – recommendations for quiet title, mortgage cancellation, equity recovery, or defense filings

“Uncover the Truth About Your Property Title”

A defective or fraudulent title can cost you your home and your equity.

Our Title Audit Services dig deeper than a simple title search — we trace every document, expose fraud, and prepare legal strategies to protect your ownership rights.

⚖️ Mortgage Cancellation & Discharge

– Legal Framework

1. What It Means

Mortgage Cancellation = court orders the Deed of Trust/Mortgage voided (e.g., fraud, forgery, satisfied but not released, TILA violations).

Mortgage Discharge (Release of Lien) = recorded satisfaction or reconveyance to clear title once the debt is extinguished (paid, rescinded, or voided).

2. Grounds for Mortgage Cancellation

These are the most common legal theories that courts recognize:

Fraud / Forgery → forged signatures, false notarizations, robo-signers (Wutzke v. Bill Reid Painting Serv., 151 Cal.App.3d 36).

Predatory Lending → Truth in Lending Act (TILA, 15 USC § 1601 et seq.) rescission for material disclosure violations.

Unconscionability → unfair terms, usury, deceptive practices.

Lack of Standing → improper assignment, broken chain of title (Yvanova v. New Century Mortgage Corp., 62 Cal.4th 919 (2016), CA Supreme Court).

Debt Already Satisfied → failure of trustee/lender to record reconveyance after payoff (Cal. Civ. Code § 2941).

Fraudulent Transfers → mortgage created/assigned to shield assets or defraud creditors (clawback via bankruptcy or state fraudulent transfer acts).

3. Remedies Available

Quiet Title → to declare plaintiff as rightful owner, free of lien.

Cancellation of Instrument (Cal. Civ. Code § 3412) → remove fraudulent mortgage or deed of trust.

Declaratory Judgment → court declares mortgage invalid/unenforceable.

Injunctive Relief → halt foreclosure pending cancellation action.

Damages → against lender/trustee for wrongful acts (sometimes including punitive).

4. Process

Title Audit – pull deed of trust, assignments, trustee substitutions, releases.

2. Identify Defect – fraud, forgery, robo-signing, TILA violation, or payoff w/o reconveyance.

3. File Complaint – causes of action: Quiet Title, Cancellation, Fraud, TILA, Declaratory Relief.

4. Record Lis Pendens – to freeze title and notify world of pending litigation.

5. Pursue Judgment – once court cancels/discharges, record certified judgment → title cleared.

5. Client-Facing Foreclosures

“We Don’t Just Stop Foreclosure — We Cancel Invalid Mortgages.”

If your mortgage was based on fraud, predatory lending, or invalid assignments, you may be entitled to a full cancellation and discharge of the lien. This means you can reclaim clear title to your home — free of the defective mortgage.

We Handle:

Fraudulent or forged mortgage documents
Predatory or undisclosed loan terms
Assignments by entities with no standing
Mortgages already paid but not released

Shedule Free Case Review – See If Your Mortgage Can Be Canceled

Trustee Services

⚖️ Trustee Services for Real Property

What It Is

A Trustee Service means acting as the neutral third party or appointed fiduciary who holds, manages, and enforces rights on real property. In mortgage and foreclosure law, the trustee has legal obligations to the borrower and lender. Separately, in probate or estate planning, trustees safeguard property for heirs and beneficiaries.

Types of Trustee Services

Foreclosure/Deed of Trust Trustee

Record and serve Notices of Default (NOD) and Notices of Trustee’s Sale (NOTS).

Conduct foreclosure sales in compliance with state statutes (e.g., California Civ. Code § 2924 et seq.).

Maintain accurate sale records and disburse proceeds to lienholders and borrowers.

File rescissions when defaults are cured.

Ensure compliance with Homeowner Bill of Rights (dual tracking, SPOC, modification review).

2. Equity Recovery Trustee

Hold surplus funds from trustee sales.

Process claims by borrowers, lienholders, or heirs.

File accounting and distribute funds pursuant to statute.

Protect owners from fraudulent “overage hunters” by requiring verified claims.

3. Title & Fraud Trustee (Litigation Support

Appointed by the court to hold disputed title while quiet title or fraud actions proceed.

Issue trustee’s deeds after settlement or judgment.

Act as fiduciary in constructive trust/equitable lien remedies.

4. Estate & Trust Property Services

Manage real property held in a family or revocable trust.

Collect rents, pay taxes, maintain insurance.

Transfer title to heirs upon death of settlor.

Resolve competing claims (probate vs. lienholders).

Duties of the Trustee

Neutrality – must act impartially between borrower and lender.

Fiduciary Responsibility – maintain accurate records, follow statutes, prevent wrongful foreclosure.

Transparency – respond to RESPA requests, provide accounting of funds.

Compliance – ensure notices, postings, and sales follow law to avoid later cancellation.

Client-Facing Foreclosure

“Independent Trustee Services to Protect Your Property Rights.”

Whether you are a borrower, lender, investor, or heir, our Trustee Services provide the legal structure and neutral oversight needed to manage property disputes, foreclosures, or title issues.

We ensure compliance with state and federal laws, protect against fraud, and safeguard equity through responsible trustee administration.

Services Include:

Recording & rescinding Notices of Default

Conducting trustee’s sales lawfully

Managing surplus equity claims

Serving as neutral court-appointed trustee in disputes

Protecting heirs and beneficiaries in estate property matters

Short Outreach Message

Subject: Professional Trustee Services for Your Property

Dear Friend,

We provide Trustee Services for real property nationwide, ensuring that foreclosure actions, title disputes, and estate transfers are handled lawfully, transparently, and with full protection of your rights.

As a neutral trustee, we can:

Conduct or rescind foreclosure actions in compliance with state law.

Manage surplus funds and protect against fraudulent claims.
Hold and transfer property in probate or trust administration.

Serve as fiduciary in litigation or fraud recovery cases.

If you require a trustee for your property matter, please let me know a convenient time to discuss.

Advocate Litigator® – Mr. Al McZeal
Attorney-In-Fact & Trustee Services Specialist

Phone: 832-623-4418

email: almczeal@gmail.com

ABOUT US

​SERVICES

OUR VISION

“Stop Foreclosure Now”

​

Facing Foreclosure?

​

We Can Stop It — Even If a Sale Date Is Scheduled or has already occurred

​​​

The Pain

The Solution

​​

Why Choose Us

Call to Action

Testimonials

Click Button To Cancel Your Mortgage OR CLICK HERE

Our Services

​​​​​​​🛡️ Foreclosure Defense & Mortgage Litigation

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⚖️ Mortgage Cancellation & Discharge Services

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What It Means

​

Legal Grounds for Cancellation

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Remedies We Pursue

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Client Benefits

​

What We do

FROM AL MCZEAL

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⚖️ Recovery of Equity Due to Fraud – Service Framework

1. What It Is

2. Legal Tools Available

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3. The Equity Recovery Path

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⚖️ Title Audit Services

What It Is

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Why Clients Need It

​

What We Review

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Deliverables

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⚖️ Mortgage Cancellation & Discharge

– Legal Framework

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1. What It Means

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2. Grounds for Mortgage Cancellation

3. Remedies Available

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4. Process

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5. Client-Facing Foreclosures

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⚖️ Trustee Services for Real Property

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What It Is

Types of Trustee Services

Foreclosure/Deed of Trust Trustee

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2. Equity Recovery Trustee

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3. Title & Fraud Trustee (Litigation Support

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4. Estate & Trust Property Services

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Duties of the Trustee

Client-Facing Foreclosure

Short Outreach Message

SERVICES

🛡️ Foreclosure Defense & Mortgage Litigation