Foreclosure Defense

We help homeowners facing mortgage delinquency, financial hardship, or foreclosure understand their options and identify strategies based on their individual needs, circumstances, and eligibility. Depending on the situation, assistance may include:

Loan Modification: Assisting homeowners with seeking changes to the terms of an existing mortgage, which may include adjustments to the interest rate, loan term, payment amount, or other terms available through the mortgage servicer.

Mortgage and Loss-Mitigation Options: Reviewing available alternatives and helping homeowners understand potential options offered by their lender or mortgage servicer.

Forbearance Plans: Assisting eligible homeowners with options that may temporarily reduce or suspend mortgage payments during a period of financial hardship and evaluating how payments will be addressed when the forbearance period ends.

Repayment Plans: Helping homeowners evaluate structured arrangements for repaying missed mortgage payments over time while maintaining ongoing payments.

Short Sales: Assisting homeowners in understanding and pursuing, when appropriate, the sale of a property for less than the outstanding mortgage balance with lender approval.

Deed in Lieu of Foreclosure: Advising homeowners about the option of voluntarily transferring ownership of the property to the lender as an alternative to foreclosure and evaluating the potential consequences.

Foreclosure Prevention and Legal Assistance: Reviewing mortgage and foreclosure documents, identifying available legal options and defenses, communicating or negotiating with lenders and servicers when appropriate, and helping homeowners navigate the foreclosure process.

Financial Assistance and Housing Resources: Helping homeowners identify government, nonprofit, housing counseling, and other assistance programs for which they may qualify.

Bankruptcy Assistance: For eligible clients whose mortgage or homeownership is affected by significant debt or foreclosure, we are expanding our services to include bankruptcy legal assistance. Depending on the client’s needs and eligibility, bankruptcy may provide legal protections that temporarily stop certain collection or foreclosure activity and may provide a structured process for addressing qualifying debts. Our assistance may include evaluating whether bankruptcy is an appropriate legal option, advising clients regarding the effect of bankruptcy on their mortgage and other debts, and providing bankruptcy representation or other appropriate assistance based on available services and eligibility.

Other Legal and Financial Strategies: Because every homeowner’s circumstances are different, additional options may be considered based on the client’s income, mortgage status, debt, stage of foreclosure, available programs, and eligibility for services.

Important: Available options and outcomes vary by individual circumstances. Receiving assistance does not guarantee that a lender will approve a modification, forbearance, repayment plan, or other foreclosure-prevention option. Bankruptcy also has significant legal and financial consequences and should be evaluated based on the client’s individual circumstances.