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Foreclosure Defense

What is Foreclosure?

Foreclosure is a legal process through which the owner of your mortgage (usually a bank or a mortgage company) takes the owner's property when the owner has stopped paying for it.

What triggers a Foreclosure?

Nonpayment of your mortgage will trigger foreclosure.  The process of foreclosure will also be triggered by nonpayment of a second mortgage or nonpayment of property taxes.

How can an attorney help me?

An attorney can make sure that the bank follows the due process rules once the case is in Court.  Your attorney can also make the process more transparent and understandable.  Furthermore, an attorney can also advise you of potential alternatives to foreclosure - such as a deed in lieu of foreclosure, short sale, loan modification or a consent judgment.

Do I have to move out once I am served with a foreclosure lawsuit?

No.  In fact it may not be a good idea to move out as even though there is a law suit pending, you are still the owner of the property.  You will be able to remain in the property until the foreclosure action is finalized through either a Sheriff's sale or other alternatives that one of our attorneys can discuss with you.