If you have been served with a foreclosure complaint, a notice of default from your lender or your homeowner association you probably have many questions and are feeling stressed. You could be asking yourself a number of different questions:
- What happens next?
- Do I need a foreclosure lawyer?
- How am I ever going to pay get caught up on payments?
- Will I ever be released of this financial burden?
- How do I save my home?
Getting answers to these questions may not only provide peace of mind but can also provide a clear direction for moving forward with hope in the midst of uncertainty. At Perez Conrique Law, we understand that your home is invaluable to your family, and our legal team is prepared to do whatever it takes to help you protect your property. As a homeowner, you have options to avoid foreclosure! Attorneys at Perez Conrique Law will analyze your situation and discuss all available options so that you can decide the best course of action for you and your family.
Things may seem daunting and hopeless now, but this is where our firm can help you. By designing unique plans and strategic alternatives to fit each client’s specific goals, we strive for the best possible results. You can trust that we, at Perez Conrique Law, will work hard on your behalf because we care.
Having a knowledgeable Foreclosure defense attorney not only can help fight against foreclosure, but your attorney can review your case and discuss one of the many options you can take to save your home. Successful cases rely specifically on a combination of proper strategy and carefully timed actions.
So, even if you have stopped making your payments in your mortgage, having an attorney by your side could research to determine if the lender completed the lawsuit in court properly, or if there was even a receipt to prove a foreclosure defense. In other cases, if you were tricked by fraudulent brokers or lenders, your defense could be even stronger.
The banks and lenders often do not have your best interests in mind. A qualified attorney, however, can listen to your side of the story, understand your financial situation, and be able to translate your personal matters into a legal defense that is practical and protective to your home and family. Remember, speaking to a Foreclosure defense attorney is the only way to determine the most effective defense to your case.
Many times, homeowners may just need some additional time because they have experienced a hardship and have not yet recovered. When they are ready, our firm can assist with a number of loss mitigation options. If the homeowner has recovered from their financial hardship and have the ability to resume payments, we can assist with obtaining a loan modification or a reinstatement. In the event the homeowner has not recovered or no longer wants the home, it is vital to negotiate a solution to be able to surrender the home in a timeframe that works for the homeowner while protecting them from future personal liability.
Deed in Lieu of Foreclosure
A deed in lieu of foreclosure is a written agreement between a borrower (homeowner) and a lender, in which the lender agrees to take the title of a property from you. The goal of the process is to release homeowners from their mortgage debt and allow homeowners to hand the deeds to property back over to a lender. Resolutions through deed in lieu programs are not available in every case and can be complex to navigate. Getting competent legal assistance can save homeowners significant time and effort.
Loan modifications involve making one or more changes to the term of your mortgage loan and may include reducing your interest rate, lengthening your loan, reducing penalties and late fees, and other solutions that make your loan more affordable. Loan modifications are an excellent option for those who can afford a lower payment and whose lenders agree to modify the terms of a loan.
A short sales or pre-foreclosure sale refers to an agreement between a homeowner and their lender to sell a home for less than what is owed on the mortgage. Many homeowners take the route of a short sale to avoid going through foreclosure. Without proper legal guidance, however, serious problems could arise, such as being forced to produce a certain cash amount at closing.
We cannot stress this enough: Be very aware of scams! If you are facing foreclosure, it is in the best interest of you and your family to contact an experienced foreclosure defense attorney. Oftentimes, homeowners become the victim of unethical or fraudulent companies offering assistance. Though it may seem like you are taking proactive steps to get out of your financial hardship by hiring these companies, the reality is there are scam artists that specifically prey on consumers who are willing to take any step necessary to save their homes. Speaking to a professional foreclosure defense attorney can help you avoid deceiving mortgage relief schemes and bankruptcy scams.
We provide counseling and tips on avoiding scams, as well as informing Central Florida homeowners about what predatory lenders may look like. As a general rule, if something sounds too good to be true, it probably is. If you’re settling debt issues regarding your home without ethical legal guidance, be cautious and do your research.
Companies that are unethical or predatory will usually try to rush you through processes quickly without fully explaining them. In your greatest time of need, these people specifically prey on people who are desperate for help and will do anything to help protect their families. Scam artists and predatory lenders will take advantage of your financial difficulty for their own financial gain, and it is this unlawful behavior that we want to protect Central Florida homeowners from.
Essentially, we aim to provide the future tools for you to get back to normalcy, as well as give you the tools to create a stable and secure financial future.