Stop foreclosure fast. In sixty days.

You do not need to file for bankruptcy to stop a foreclosure. And you do not need to wait months for a loan modification that the bank can quietly deny. The Guild uses a counterclaim — a filing that puts the burden of proof back on the law firm and the bank — and pairs it with a trustee pledge that reassigns the mortgage once the counterclaim is verified.

The counterclaim is filed inside your existing court case. It runs in parallel with mediation and, if needed, arbitration. Because the filing is made against the law firm and bank directly, everything moves on a court clock — not a lender's servicing queue.

Day 1–7 — intake, six signed agreements executed inside the private portal, and initial document review. Day 8–20 — a good accounting ledger audit is performed on the loan file, including any SEC-bundled tranche the note may have been assigned into. Day 21–35 — the verified counterclaim is filed with the court, the law firm, and the bank. Day 36–50 — foreclosure mediation and, if necessary, arbitration proceedings. Day 51–60 — trustee pledge, mortgage reassignment, and settlement recording.

Every step is visible in real time inside the Member Portal. You see each filing, each signed agreement, each trustee reply, and the running ledger balance. When settlement closes, a manual tracking number is stamped on your case file.

You are the homeowner of record. Your mortgage was originated by a bank or non-bank lender. The property is in the United States. You have received notice of default, notice of sale, or an active foreclosure court filing. You can sign the six Guild agreements and upload a mortgage statement, deed, government ID, and any court paperwork you have.

You do not have to be current on your payments to qualify. You do not have to have equity. You do not have to be represented by an attorney. Members who are already in bankruptcy proceedings can still enroll, though timing and scope will be reviewed by a senior trustee.

Loan modifications live inside the servicer's queue. The servicer decides when to review, when to approve, and when to reject. There is no clock forcing a response — and there is no counterparty pressure. In practice, a mod can sit for six to nine months and be denied at the end.

A counterclaim reverses that dynamic. Once filed, the court, the law firm, and the bank all have to answer on a schedule. The Guild's trustee pledge — money already sitting in the trustee account — settles the accounting so the mortgage can be reassigned. That combination is what makes sixty days possible.