Ira J. Metrick is a lifelong resident of Monmouth County and has been a member of New Jersey Bar for over 15 years. His practice focuses on Foreclosure Defense and Loan Modifications. FORECLOSURE DEFENSE: Whether the loan is owned by a Securitized Trust, a Private Entity, Fannie Mae or Freddie Mac, his office can help identify defenses, to try to obtain leverage in the fight against the lenders. LOAN MODIFICATIONS: His office now has the resources conduct a search to locate the owner of a loan and determine what modification programs are available for the loan. As approximately 50% of loan modifications are not through HAMP, it is critical to know the guidelines of the modification programs that are available. His office can also conduct an analysis to determine whether a homeowner can qualify for a specific modification program, and determine an estimate of the payment terms. Additionally, his firm offers aggressive Loan Modification Representation, to monitor the servicers' compliance with the new federal rules. His office also accepts clients for: Violations of the FDCPA by debt collectors and Bankruptcy Discharge Violations.