Facing a foreclosure claim is something that any homeowner would get terrified about. Getting a foreclosure claim from your lenders means you need to get out of your property as soon as possible, often because you have defaulted on your mortgage payment.
So, what should you do? You need to contact the Florida foreclosure lawyers if you are facing a foreclosure claim in the state of Florida.
Here are 5 ways a foreclosure defense lawyer can help you in your foreclosure case:
1. Finding Out the Legal Loophole of Your Mortgage Company
Sometimes, mortgage companies might file foreclosure claims without a strong legal basis, meaning that they will just file the claims to demand payments from their mortgage clients.
This is something that many foreclosure defense lawyers will try to analyze since it can help their case to defend their clients.
A legal misstep from the mortgage company can make their foreclosure claim to be invalid, so they can’t proceed further with their foreclosure action.
When you hire a foreclosure defense lawyer, your lawyer will go through your case to find the legal loophole that your mortgage company might have.
They might find the legal reason to render the foreclosure claim from your mortgage company to be invalid. This way, you can stay in your house, at least until you can settle the payments with the mortgage company later.
2. Handling Your Foreclosure Case According to the State Laws
Foreclosure laws will differ from state to state. For instance, in some states, the foreclosure will happen only when the lenders have posted the foreclosure notices for public view.
Also, in some states, the lenders can’t take action on the foreclosure unless they have given certain options for the homeowners to pay their mortgage or to avoid the foreclosure action.
It’s important for you to understand the foreclosure laws in your state, as it will help you win in your foreclosure case.
A reputable foreclosure defense attorney can help you in handling your foreclosure case according to the state laws. It’s best for you to hire a foreclosure defense attorney that understands how to handle various foreclosure cases in your state.
3. Helping You Negotiate with Your Lenders about Your Mortgage
A foreclosure defense lawyer can also negotiate with your lenders about the best options for you to avoid foreclosure.
With the help of a foreclosure defense attorney, the lenders might provide certain options for you to handle the foreclosure case and come back to terms with the lenders. Sometimes, it would be easy for the lenders to delay the foreclosure action if you can come to terms with them.
The lawyer can also give the lenders certain insights about the circumstances that you have been through, which have caused you to default on your mortgage.
Then, the lawyer might also suggest some options for the lenders to consider, such as restructuring the mortgage, giving a longer due date for the mortgage payment, and so on.
4. Slowing Down the Foreclosure Process
Another thing that a foreclosure defense lawyer will do to help your case is to slow down the foreclosure process. Foreclosure defense lawyers are experts in handling foreclosure cases.
Therefore, they know how to stall the process and help you take some time to fix your mortgage payments during this period.
The foreclosure defense attorney will take their time to evaluate your case, talk with the lenders, and even negotiate with the bank to slow down the foreclosure process.
It will be even easier for the lawyer to slow down the foreclosure process if they can find the loopholes in the lender’s foreclosure claim.
5. Giving You the Higher Chance to Win in Your Foreclosure Case
Without the help of a foreclosure defense attorney, it might be difficult for you to win your foreclosure case. Many people ended up losing their property and let the lenders foreclose their house or property following the foreclosure claims. However, with the help of a foreclosure defense attorney, you can avoid this from happening.
You can defend your stance and the lawyer can help you in going through your case to give you the higher chance to win your foreclosure case.
You will go through all the required legal process to defend your rights to your property and negotiate the best solution for you and the lenders, so don’t need to worry about your home getting foreclosed soon.
These are the ways a foreclosure defense lawyer can help you in your foreclosure case. It’s best for you to contact a reputable foreclosure defense lawyer in your state to help handle your case, and it’s best for you to act now.