Reasons why you should hire a Foreclosure Defense Attorney:
Without a doubt, one of the most difficult legal challenges anyone could have the misfortune of facing would have to be the process of foreclosure.
Not only are they often a long and grueling process, they are a difficult and complex ordeal that can be seriously aided with the help of a competent and experienced foreclosure defense attorney.
Foreclosures are all too common in the United States in recent years, and Florida foreclosure rates topped the nation in 2012. The attorneys at Fernandez Law Group have been working hard at the forefront of this epidemic and have continued working hard over the years to help many homeowners ease their financial burdens, get out of foreclosure and onward to a fresh start.
Whether you need a short sale, loan modification, deed in lieu of foreclosure, or any other type of foreclosure defense, the attorneys at Fernandez Law Group have the skills and experience necessary in the Tampa courts to help you out of a difficult mortgage situation and work hard to help you make the right choices in order to help you get back into the path towards financial stability.
Choosing an attorney with extensive expertise and knowledge on the subject of foreclosure will help ensure you're being properly guided throughout the complex process. The responsibility of your foreclosure defense attorney is to represent your best interests. Part of the process will involve negotiations on a client's behalf in an effort to reach a settlement that favors and benefits the client the most. An experienced foreclosure defense attorney can responsibly assist you throughout the entire process and work with you to develop solid strategies that are useful and beneficial to your case.
If you're facing foreclosure, the time to act is NOW!
It is extremely urgent to employ a competent foreclosure defense attorney as soon as possible. There are too many variables and factors that may or may not come into play the moment the foreclosure action begins and it is imperative you have proper representation or you could end up losing rights and arguments and doing more damage to your case the longer you wait.
You will come to appreciate the peace of mind in knowing that you have someone protecting your interests every step of the way. That's our job, and that's why we're here. Your attorney should have as much experience in the court defending foreclosures as the attorney representing the lender. Our attorneys are no strangers in the Florida courts and have several years of experience in dealing with a large variety of foreclosure proceedings.
3 big problems we've seen clients run into over the years in helping to fix their foreclosure issues:
Let's face it - the bank does not care about your interests at all.
Many of the offers that the banks will present to you are only self-serving and beneficial to them. They only care about collecting interest on loans. If you don't go in there with solid legal representation to ensure that your rights are being protected, then you're risking an unfavorable outcome to your case.
Another problem we often run into is that lenders seem to have constantly encouraged homeowners to avoid seeking their own legal representation.
They're not trying to help you by telling you this. They stand to reap a much higher profit if you try to defend the foreclosure action on your own. Not only that, but any little mistake or missed filing along the way could subject the lender to further legal claims. If you have a professional attorney negotiating on your behalf, you stand to get much better terms than you would get on your own. And having a background in foreclosure defense enables us to compare any offers with past offers we've gotten for others which helps us get an even better deal.
Also be sure to watch out for loan modification companies.
This is more dangerous ground, as many of these companies have popped up in the last year for one main reason - to make money on the hardships many homeowners are facing. With no regulation or license, they often charge substantial fees while offering no protection to their clients, and often times the end up doing more damage than anything.
Reasons why you should hire a Foreclosure Defense Attorney:
- If you have been served with a foreclosure notice
- If you are behind on your mortgage payments for any reason at all
- If you are having trouble affording your home due to a change in financial conditions or etc.
- If you are afraid of getting a negative score on your credit rating
- If you are looking to modify the terms of your loan
- If you have been trying to work with the lender and aren't getting anywhere
- The banks and lenders do not care about you or your rights or your interests, only their profits
How a Foreclosure Defense Attorney can help you:
- By providing you with options and opportunities to try and help you avoid foreclosure
- By representing you and contacting the lender on your behalf to make payments manageable
- By taking the lender to court if necessary to have a judge determine what best fits your needs
- By providing you with important information that may help you avoid foreclosure
- By helping to identify what laws are established to protect you from your lender and using them
- By ensuring the bank has carried out foreclosure proceedings correctly
THE MOST IMPORTANT ASPECT OF AVOIDING OR MINIMIZING THE FORECLOSURE PROCESS IS THE DECISION TO ACT.
When served with a foreclosure complaint, there is a 20-day window to file a written response, if your goal is to maximize the timeframe delay the process. Waiting until the lender forces you out of your home does not have to be your only option, no matter how limited your financial resources are.
The cost of foreclosure defense with our firm is affordable even for homeowners in the worst economic position, and a much more affordable option then being foreclosed upon and leaving the home. This is why we strongly suggest seeking the advice of the Fernandez Law Group. We will assist you in preserving all of the legal options available to you through the judicial process of foreclosure, and fight to keep you in your home.
Each individual case is researched and analyzed to structure defense strategies to place you in a better position to remain in your home and/or enable you to have enough time to mitigate your situation through negotiations of possible Loan Modifications Programs, Short Sale, Bankruptcy, Deed in Lieu, Repayment Plans, and every other option you may not be aware of at this time.
DUE TO CURRENT ECONOMIC CONDITIONS, NATIONAL FORECLOSURE STATISTICS HAVE HIT ALL TIME RECORD HIGHS.
At Fernandez Law Group, we analyze each client's particular case to develop a customized plan to defend the foreclosure proceedings. Our qualified attorneys will work directly with each lender to create options for homeowners who are or have fallen behind on their mortgage obligations.
GET HELP NOW!
Call or Text us today at 813-489-3222 for a FREE consultation.
Additional Foreclosure Defense Information:
Additional information about Loan Modifications:
Additional information on Short Sales:
Content authored by Gaston Fernandez
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GET HELP NOW!
Call or Text us today at 813-489-3222 for a FREE consultation and case evaluation.