Events like fire, flood, and disasters happen. Even the best people find themselves unable to cover their mortgage payments. Miss payments for two months and you face foreclosure. We help you go down one of two paths. We defend the foreclosure if you need to stay in the home or sell it. We often file a Chapter 13 if you just need to catch up the payments. You may also need time to obtain a mortgage modification. We provide that time.
It is possible to delay or even stop a foreclosure. If you have received a court summons, then the foreclosure process has started. By handling the foreclosure yourself, you often either speed the process up or cost yourself money by admitting the debt. The attorneys work for the banks, not you. They won’t tell you how to sue the bank. You need a proper foreclosure attorney and defense which allows you to:
- Rent the home
- Sell the home.
- Attempt a mortgage modification.
- Short sale the home.
- Reside in the home while you search for another home.
- Do a Deed in lieu and give the home up.
- Do a workout agreement to put the arrearage onto the principle.
- A cash for keys option may be available to pay you money to surrender the home.
We do not recommend defending against foreclosure on your own. The stakes are too high. By filing your own answer or discovery, you overlook defenses and admit items you shouldn’t. Often the damage can not be undone. Hiring a professional to fight on your behalf against the lender is the best you can do to ensure that you won’t miss an opportunity to save your home. Even the average attorney does not have the experience or knowledge a more seasoned professional has.
You don’t have to lose your home. We can help you successfully defend against foreclosure if you only let us. In the early stages, you have at least six different methods to avoid a foreclosure. Depending on the case, it may be best for you to file chapter 13 or chapter 7 bankruptcy. We will prepare the right documents at the right time and do everything within the law to make sure you get to keep your property.
Time is of the essence. You only have 20 days to file your answer after you are served. You need to file your discovery within about 60-90 days after that. A delay or mistake may be fatal for your Foreclosure case. We offer a free foreclosure consultation. Let’s discuss your case and the possibilities in front of you. The more prepared you are, the better your chances. Get the help you need.