Not everyone hires an attorney after receiving a foreclosure notice, and that is a big mistake. You do have options, even after your lender has notified you that they intend to sell your property due to late payments. To foreclose on your home in a judicial foreclosure, the lender has to file a lawsuit. That means they will have attorneys on their side to help ensure the judgement goes in their favor. If the lender has lawyers, then you should hire an attorney on your side for foreclosure defense in Boca Raton.
Here’s when and why you need a lawyer for foreclosure defense in Boca Raton.
Hire a lawyer because:
They understand the legal process.
A skilled attorney can help you increase the odds of saving your home by determining the best way to avoid foreclosure based on your individual circumstances. They may suggest a loan modification, declaring Chapter 13 bankruptcy, or other legal options. They understand the ins and outs of the legal system and can help you decide which route forward is the best for you. Your lawyer can help you apply for a loan modification, file for bankruptcy, or take whatever the next step is.
They can properly defend you in a court of law.
Unfortunately, not all lenders are completely honest and straightforward with the lending and / or foreclosure process. They may have followed unfair lending practices, breached your loan contract, or otherwise put themselves at risk of losing a foreclosure lawsuit. Your lawyer will review your contract and evaluate the lender’s lawsuit to determine whether foreclosure can be postponed,
Hire a lawyer when:
You’re unable to get a loan modification.
If you applied for a mortgage loan modification before hiring an attorney and you are not approved, the next course of action should be hire a foreclosure defense lawyer. They can present other options to you or represent you in court through the foreclosure process to ensure every last tactic to save your home has been attempted.
Your lender has changed your locks and taken possession too soon.
It may be rare, but it does happen. In this case, you can file a lawsuit against them to help get back in your home.
Save your home with the help of our experience attorneys in foreclosure defense in Boca Raton.
Whether you’re facing a judicial or non-judicial foreclosure, an attorney can help you fight for the right to stay in your home. Our experienced attorneys have helped many homeowners save their home with foreclosure defense in Boca Raton. Call us today at 561-939-8042 for a consultation to see how we can help you keep your American dream of homeownership alive.