Mortgage relief without bankruptcy.

A Chapter 7 bankruptcy discharges unsecured debt but does not stop a foreclosure on its own — the automatic stay only delays the sale, and the lender can (and usually does) file for relief from stay within thirty to sixty days. Chapter 13 restructures debt into a three- to five-year plan but requires monthly plan payments to a court-appointed trustee, and default on a single plan payment usually triggers dismissal.

The counterclaim path is structurally different. It puts the burden of proof back on the lender by challenging the standing of the law firm and the bank to enforce the mortgage. When paired with a good accounting ledger audit, the Guild's trustee pledge settles the accounting and the mortgage is reassigned. No filing appears on your credit report. No court-appointed trustee is inserted into your estate.

The Guild files a verified counterclaim against the law firm and bank inside your existing case. The counterclaim challenges chain of title, note ownership, and any SEC-bundled tranche the note may have been assigned into. A good accounting ledger audit is performed on the entire loan file — every payment, every fee, every credit — and reconciled against the original note.

In parallel, the trustee account is pledged to settle the reconciled accounting. When the audit closes and the counterclaim is settled, the mortgage is reassigned. The homeowner receives a manual tracking number stamped on the case file confirming the settlement.

Homeowners with a bank or non-bank mortgage in the United States, whether current, delinquent, or in active foreclosure. Members who want to avoid the seven-to-ten-year credit impact of bankruptcy. Members who have equity they need to protect, who own the property outright but face a tax lien, or who are already inside a bankruptcy proceeding and want a parallel counterclaim on file.

The Guild does not require you to be current on payments, to have equity, or to be represented by an attorney. Six signed agreements are executed inside the private portal, and a mortgage statement, deed, government ID, and any court paperwork are uploaded to the trustee.

The Guild has exactly two fees. A $1,500 yearly membership grants access to the private portal, the trustee, the six e-sign agreements, the marketplace, and the document vault. It auto-renews annually and can be canceled at any time from the member billing dashboard.

The 1.5% counterclaim service fee is calculated from the mortgage balance on file in your most recent application. It is paid only if the case settles. No settlement means no service fee. The 1.5% covers the ledger audit (35%), trustee pledge (30%), counterclaim filing (20%), mediation and arbitration (10%), and settlement recording (5%).