Federal and state foreclosure laws are complicated. These various laws set out requirements that servicers and lenders have to follow in order to foreclose a home. The mortgage contract that you signed when you took out the loan might also require the servicer or lender to take specific actions in a foreclosure. But servicers and lenders sometimes make errors or skip steps when completing the process. If you think your servicer or lender missed a required step, made a mistake, or violated federal or state foreclosure laws, you might have a defense that could force a foreclosure restart, or you might have leverage in working out an alternative. Below, you’ll find articles about common defenses, like servicer mistake, that you might be able to use to fight a foreclosure.