Foreclosure can make anyone feel alone and without recourse. But homeowners are not without effective allies in their effort to save their home. A foreclosure defense attorney experienced in dealing with unscrupulous mortgage lenders, servicers, and other debt collectors, can help level the playing field against these parties, equipped with significant legal resources to cause a borrower to lose a home.
Banks and other financial institutions profit from foreclosures. They prefer it if homeowners who want to protect their homes don’t retain attorneys. They want you to believe that they can provide all the help that’s necessary. But this is a conflict of interest. It’s unreasonable to believe any scenario where a lender represents that it will do whatever it takes to help a homeowner keep his or her home. It’s a façade to keep you working with them as long as possible. Lenders and mortgage servicers really won’t work to help you achieve the best possible results like an experienced foreclosure defense attorney. Not every lender is predatory, but no lender will protect your interests like an attorney.
What will a foreclosure defense attorney accomplish for a borrower in distress? First, a foreclosure defense attorney will also provide information about the options that are available to homeowners for preventing foreclosure. A qualified foreclosure defense attorney can explain the positive and negative aspects of each option and which is a viable alternative for a homeowner.
Most consumers are unaware of federal and state laws that protect homeowners from unscrupulous debt collection practices. A foreclosure defense attorney can identify and explain the laws that may protect a homeowner from a predatory lender. Also, a good foreclosure defense attorney can ensure that any party trying to collect a debt for a mortgage lender observes the laws of the foreclosure process to the utmost degree.
Most importantly, a foreclosure defense attorney can negotiate for more affordable mortgage payments. A foreclosure defense attorney can provide legal representation and act on a homeowner’s behalf in all contact and communication with a lender.
Homeowners served with a foreclosure complaint typically have twenty (20) days to file a written response. If this happens, TIME IS OF THE ESSENCE. Do not wait! The cost of foreclosure defense is an affordable option for any homeowner.
If you are facing foreclosure, Theron Morrison and his team of attorneys at the MLG can explain all of the options available to save your home. Talk to the Morrison Law Group about how a Chapter 13 bankruptcy case may help save your home. Call 801.456.9933 today to schedule a FREE consultation. We have locations in Ogden, Logan, Sandy, and St. George to serve the residents of the counties of Weber, Cache, Salt Lake, Utah, Morgan, Davis, Washington, and surrounding areas. Merry Christmas from the Morrison Law Group!!!