Foreclosures

Foreclosure is the scary and daunting process by which your mortgage lender seeks to take your home because you have fallen behind on your payments. There are emotional and financial aspects of foreclosure that make the process very overwhelming. You need an experienced attorney to help you through the process. You do not have to go through this alone.

Even though you are in foreclosure doesn’t mean that you are going to lose your home!!

There are very limited defenses to foreclosure. Payment and procedural defenses are really the only viable defenses. A payment defense is simply providing proof that you paid the amount owed and that the foreclosure action was made in error on part of the lender. Procedural defenses such as failure to properly give notice of the foreclosure action, the improper filing of court papers, improper supporting documents, etcetera are more complicated but they do exist. Lenders are run by people and people are not perfect, mistakes are made those mistakes may allow you to defend against a foreclosure proceeding.

Depending on your goals, we can help you either defend against the foreclosure action, help you apply for a loan modification, determine if bankruptcy is an option, help you short sale your home, or arrange to give the house back to the bank using a Deed In Lieu of Foreclosure. Federal and private programs including HAFA (Home Affordable Foreclosure Alternatives) and Cash for Keys, where a lender may be willing or forced to pay you to vacate and surrender the property, may also be available to you.

You have options! You need someone to guide in the direction that is right for you. We are experienced in all different aspects of foreclosure defense and alternative solutions; we can help you make the decision that is right for you!