If you have fallen behind on your mortgage payments and are facing home foreclosure, you may be wondering if an attorney can help you. In general, you should at least consult with an attorney when you want to learn more about your legal options. Robert A. Schwartz is a bankruptcy attorney in Rochester, NY, who can answer all of your questions regarding wage garnishment and home foreclosure.

If you are facing foreclosure, it does not necessarily mean that you will lose your house. If you want to keep your property, an experienced attorney will help you explore possible foreclosure defense strategies. Every home foreclosure proceeding is different, and not all homeowners will be able to save their home; however, you should consider hiring an attorney if the foreclosing party:

• Didn’t Follow Protocol: If a loan service wants to foreclose a home, they must follow a very specific set of guidelines in order to do so. An attorney will help you determine if the foreclosing party made any procedural mistakes that warrant a case dismissal.
• Can’t Prove They Own Your Loan: It is common for lenders to bundle multiple mortgages together and sell them to other lenders. The more often your mortgage is sold—and some mortgages are sold frequently—the harder it may be to prove which lender actually owns it.
• Made A Serious Error Regarding Your Account: If your loan servicer did not distribute your payments properly, or charged you unreasonable or illegal fees, that may be all the defense you need against a home foreclosure. A skilled attorney will assess the situation and help you determine just how egregious the foreclosing party’s errors were.

If you are facing home foreclosure, do not let your loan servicer bully or intimidate you. Despite what they may tell you, you still have options, and Robert A. Schwartz in Rochester, NY, will help you explore them. Visit his website to learn more about his areas of practice and call (585) 334-4270 to discuss your financial situation today.