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Dealing with a foreclosure can be a challenging and stressful experience, jeopardizing your homeownership and your sense of safety and security. An attorney can help you navigate this situation and ensure you understand all possible legal options. Below, learn about what foreclosure attorneys do and when you should hire one to represent you.

What Does This Type of Attorney Do?

A foreclosure attorney designs a defense against the loss of a client's home. If the foreclosure is nonjudicial—meaning it isn't enacted through the court system—your defense will most likely involve filing a lawsuit. If it’s judicial—which is adjudicated in the courts—it requires a legal response.

In both situations, a lawyer learns the details of your case and develops an argument that aims to keep you in the home. They will file all the necessary legal paperwork, submit evidence, and help you make sense of the law and court procedures.

When Should I Hire a Foreclosure Attorney?

foreclosureIf your ultimate goal is to stay in the home, hire an attorney as soon as you receive a notice of foreclosure. This is especially important in a judicial case, where the timeline is much more condensed and a formal legal response is necessary.

An attorney's services can also be helpful in situations where you have been working with a HUD counselor and have been told that you may not be approved for a loan modification. An attorney can negotiate on your behalf and may increase your chances of approval.

In some cases, a loan service will foreclose while an application for a loan modification is still pending. This is called dual tracking, and it is illegal. So, if you've already submitted an application for a loan modification but are still being foreclosed upon, contact an attorney to stop the process and hold the service accountable.

 

Explore all possible solutions for fighting to keep your home by contacting an attorney. The team at Padgett & Robertson, Attorneys at Law, is here to help. The lawyers have been representing Mobile and all of Southern Alabama since 1978. They offer legal services in foreclosures, bankruptcies, wage garnishments, and property repossessions. Call (251) 342-0264 or visit them online to schedule a consultation and learn more about their services.

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