Pre-foreclosure:
What is it & how does it impact me?
The period in time when a
person is behind in payments
(mortgage, taxes, or HOA), but
there is no foreclosure sale date is pre-foreclosure.
This means you still have access
to many of your rights.
Foreclosure:
What is it & how does it impact me?
The period in time when a
person is behind in payments,
and there IS a foreclosure sale
date. A sale doesn't mean you're
instantly homeless. Know your
rights.
Post-foreclosure:
What is it & how does it impact me?
Losing your home feels like the
end. But, if your home sells for
more than you owe at the
foreclosure sale, you may be
owed surplus funds.
Need help with your property?
Learn about your property rights. Contact us for support.
The Consumer Financial Protection Bureau's and Federal Trade Commission's enforcement of the Mortgage Assistance Relief Services Rule (MARS) "makes it illegal for companies to charge upfront fees" for these services. Meaning, people in financial need should not be troubled with paying for resources upfront.
Complete our short Request for Consultation form for a FREE evaluation.
Services
The People's Knowledge Base
Access the CSEA free repository that includes:
- A state-by-state library of foreclosure and eviction laws;
- Legal clinics;
- Links to federal resources;
- And more.
Loss Mitigation Support
Loss mitigation is a process where lenders (or servicers) collaborate with homeowners facing financial hardship to prevent foreclosure and minimize financial losses. We assist homeowners with the collection of relevant documents, as well as, the preparation and submission of the loss mitigation package.
Surplus Funds Recovery
In a foreclosure, surplus funds are the proceeds left over from a property sale at auction for a price higher than the total amount of the mortgage, taxes, and/or any other liens. This remaining money is legally owed to the former homeowner, any junior lien holders, or others with recorded claims against the property.
Upcoming event!
Hey, Community Members!
Join us for our FREE Virtual Launch & Homeowner Stability Town Hall
February 21, 2026 from 11:00 AM to 1:00 PM, Eastern.
C & S Equity Advocates invites you to attend this complimentary community event to ask questions or gather information. This event is intended for anyone who owns residential or commercial property, or who has lost a property over the last few years, and seeks clarification about foreclosure.
Registration is required for the event. However, attendees may participate and pose questions anonymously. Instructions will be provided upon registration.
We anticipate the opportunity to introduce ourselves to the community, provide complimentary resources, and assess how we can best assist you in avoiding, stabilizing, or recovering from foreclosure.
Our Privacy Policy strictly prohibits the sale or distribution of any personal contact details to third parties or outside sources.
Coming soon!
What You Will Gain:
- Essential Insights: Receive critical, up-to-date knowledge drawn from industry insights on topics ranging from tax assessments and zoning laws to eminent domain and title issues.
- Property Rights Protection: Learn practical strategies and key facts to help you keep your valuable property rights fully intact against external challenges.
- Empowerment: Arm yourself with the information you need to make confident, informed decisions about your property.
Sign up today for your free subscription to Property Perspectives and start building a stronger foundation of knowledge about the assets that matter most. Coming in January 2026.
About us
C & S Equity Advocates (CSEA) is a foreclosure defense and surplus funds recovery firm operating under a public benefit charter. We help low to mid-income individuals and families who are current and former property owners to avoid, navigate or recover from foreclosure. CSEA provides support to our clients through a three part pipeline, ensuring community members receive the information, advocacy, and assistance needed to make informed decisions during periods of financial uncertainty... [Read more]