Kilpatrick & Associates, P.C. is a Fannie Mae designated firm in the State of Michigan. Kilpatrick & Associates, P.C. handles all facets of mortgage default servicing, including:

Bankruptcy:

1. Chapter 7: reaffirmation agreements and motions for relief from the automatic stay
2. Chapter 13: plan review, objections to confirmations, motions for relief from the automatic stay

Loss Mitigation/Default Servicing:

1. Judicial Foreclosures
2. Non-Judicial Foreclosures/Foreclosures by Advertisement
3. Alternatives to Foreclosure: Loan Modifications, Short Sales, Deed-in-Lieu of Foreclosure
4. Eviction
5. Civil suits for Money Judgment
6. Prosecution of Quiet Title Actions
7. Defense in Housing Code (blight) violations
8. Residential mortgage-related defense representation against federal and state regulation violation claims (e.g., TILA, RESPA, FDCPA, FCRA) and common law claims

R.E.O.:

1. Title workouts
2. Closings

Representative Clients:

1. Aurora Loan Servicing
2. Bank of America
3. Fannie Mae (FNMA)
4. First Consumer Credit
5. Flagstar Bank
6. Franklin Bank
7. FDIC

Commercial and Small Business Bankruptcy Matters:

1. Representation of financial institutions in the collection of secured and unsecured loans extended to businesses in workouts or Chapter 7 and 11 bankruptcy cases throughout the State of Michigan.
2. Representing clients in the collection of floor plan financing, capital loan, and mortgage loans in workouts or Chapter 7 and 11 bankruptcy cases of automobile dealers and guarantors.
3. Representation of manufacturers in workouts or Chapter 11 bankruptcy cases of suppliers, including the drafting of access and accommodation agreements.

Commercial and Small Business Litigation Matters:

1. Representation of financial institutions in the collection of secured and unsecured loans from businesses and guarantors.
2. Assisting clients in the collection of floor plan financing, capital loan and mortgage loans.
3. Defense of financial institutions in litigation involving lending practices.

Representative Clients:

1. Bank of America
2. Comerica Bank
3. Daimler Trucks North America
4. Ford Motor Credit Company, LLC
5. JPMorgan Chase
6. KeyBank
7. Toyota Motor Credit Corporation

Our Consumer Bankruptcy Practice Group represents a variety of diverse clients in bankruptcy matters throughout the State of Michigan. Services include, but are not limited to:

1. Motions for Relief from the Automatic Stay
2. Reaffirmation Agreements
3. Redemption
4. Lease Assumption Agreements
5. Adversary Proceedings
6. Plan review
7. Objections to Confirmation
8. Proof of Claims
9. Assisting clients with the development and implementation of internal bankruptcy practices and procedures

Representative Clients:

1. Credit Acceptance Corporation
2. Capital One Auto Finance
3. Flagstar Bank
4. Ford Motor Credit Company LLC
5. GE Finance
6. HSBC Auto Finance
7. Matco Tools
8. Navistar Financial Corporation
9. Toyota Motor Credit Corporation
10. Oxford Bank and Trust
11. Onyx Acceptance Corporation
12. United Auto Credit Corporation