PURSUANT TO THE SUPREME COURT OF ALABAMA, LAW OFFICES ARE DEEMED ESSENTIAL SERVICE PROVIDERS AND MAY REMAIN OPEN TO SERVE THE PUBLIC.

The Law Office of Marshall A. Entelisano (Marshall Law) is OPEN and is maintaining normal business hours.

Monday through Thursday 8:30 a.m. – 5:00 p.m.
Friday 8:30 a.m. – Noon
UNTIL FURTHER NOTICE -- BY APPOINTMENT ONLY  CALL 205-752-1202

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COVID – 19 WARNING:  PLEASE BE AWARE THAT WHILE THE CARES ACT PROVIDES SUBSTANTIAL RELIEF TO QUALIFYING DEBTORS, THERE IS A LOT OF MISINFORMATION BEING CIRCULATED SO BEWARE OF SCAMS AND OFFERS THAT ARE “TOO GOOD TO BE TRUE.”

FORECLOSURES:   THE CURRENT MORATORIUM ON FORECLOSURES APPLIES ONLY HUD-BACKED LOANS. IT DOES NOT APPLY TO PRIVATE MORTGAGE TRUSTS OR SERVICERS. 
 
PLEASE CONTACY MY OFFICE IMMEDIATELY IF YOU RECEIVE A FORECLOSURE NOTICE OR NOTICE OF ACCELERATION FROM YOUR MORTGAGE SERVICER.
 
MORTGAGE PAYMENTS: CONTINUE TO MAKE YOUR MORTGAGE PAYMENTS TO THE EXTENT THAT YOU ARE ABLE TO DO SO AND KEEP PROOF OF ALL PAYMENTS.  IF YOU ARE UNABLE TO MAKE YOUR CURRENT MORTGAGE PAYMENT IN FULL, PLEASE CONTACT MY OFFICE.
 
PLEASE READ THE FINE PRINT OF ANY SUSPENSION, DEFERMENT, OR FORBEARANCE AGREEMENT THAT YOU RECEIVE FROM YOUR MORTGAGE SERVICERS. WHILE MANY SERVICERS ARE AGREEING TO A PAYMENT “SUSPENSION” FOR 60 TO 90 DAYS, THE ENTIRE PAST DUE AMOUNT MUST BE PAID ONCE PAYMENTS ARE SCHEDULED TO RESUME.
 
PLAN PAYMENTS:   CONTINUE TO MAKE YOUR PLAN PAYMENTS TO THE EXTENT THAT YOU ARE ABLE TO DO SO.  SHOULD YOUR PAYMENTS BE MADE VIA A WAGE WITHHOLDING ORDER, THE ORDER WILL NOT REMIT WHILE YOU ARE OFF WORK RECEIVING UNEMPLOYMENT AND WILL RESUME ONCE YOU RETURN TO WORK.
 
IF YOU CANNOT MAKE YOUR PLAN PAYMENTS AT THIS TIME, PLEASE CONTACT MY OFFICE SO THAT I CAN MODIFY OR SUSPEND YOUR PLAN PAYMENTS TO PREVENT YOUR CASE FROM BEING DISMISSED OR STAY RELIEF BEING GRANTED TO A CREDITOR.

Lender Letter (LL-2020-02)         
Updated Apr. 8, 2020,  Mar.  25,  2020, Mar. 18, 2020 

To: All Fannie Mae Single-Family Servicers Impact of COVID-19 on Servicing

​We are actively monitoring reports about the spread of COVID-19 (coronavirus) in the United States and understand that there may be concerns about its potential impact on borrowers. At the direction of the Federal Housing Finance Agency (FHFA) and in alignment with Freddie Mac, we are communicating temporary policies in this Lender Letter to enable servicers to better assist borrowers impacted by COVID-19. The policies in this Lender Letter are effective immediately and are effective until Fannie Mae provides further notice, unless otherwise stated.