If you have been struggling to make your mortgage payments, you may be faced with the threat of losing your home. Receiving a foreclosure notice is an upsetting experience, however, hiring a foreclosure defense attorney will give you a chance to save your investment. Those who attempt to fight for their home without legal representation run the risk of making serious errors that result in an unfavorable outcome. Here are a few valuable ways an attorney can help you navigate the foreclosure process.

What Can a Foreclosure Defense Attorney Do for You?

1. Explain Your Options

An attorney will know the laws pertaining to foreclosure and be able to give you some clarity on the options you have for saving your home. Depending on your particular situation, you may have the opportunity to pursue loss mitigation, file Chapter 13 bankruptcy, modify your loan, or have your attorney represent you in court. Your attorney will explain the benefits and disadvantages of each action.

2. Provide an Effective Foreclosure Defense Strategy

If the bank has made any mistakes in foreclosing on your home, an attorney will have the knowledge to identify what they are and resources to establish a strong defense. For example, they may be able to prove the lender breached your loan contract or violated your state’s foreclosure laws. In some cases, homeowners are found to be the victim of unfair lending practices or an illegal mortgage assignment. There are several foreclosure defense strategies an attorney may use to prevent a foreclosure from moving forward.

3. Help Obtain a Loan Modification

A loan modification will adjust the terms of your current loan so you can afford to start making payments once again. Although modifying a loan is free, it’s challenging for most homeowners to get approved without the help of an attorney. They will make sure the bank has all the information it needs to show you’re a good candidate for a loan modification.

Your home is a symbol of your hard work and accomplishments, and it holds both financial and sentimental value. The foreclosure defense attorneys at Hurtt & Johnson understand this and are committed to guiding you through this difficult time. For over 40 years, they have helped homeowners throughout Dalton and northwest Georgia successfully avoid foreclosure. They will thoroughly explore your options with you to determine the best course of action to take. Call (706) 226-5425 to schedule a consultation, or visit them online for more information on their legal background.