If you have recently been served with a foreclosure lawsuit, you have a right to a full and complete legal defense. This is very different than bankruptcy, and putting forth a defense can help increase your chances of a favorable resolution. We are offering services on a flat-rate monthly payment plan, so there is no large up-front retainer or unexpected charges.
In order to qualify for this service you must:
- Be the homeowner;
- Facing foreclosure of your residence;
- In Lexington or Richland county;
- Have been served with a foreclosure lawsuit;
- Within the past thirty days.
Our services can help you achieve the following type goals:
Avoiding a Fast-Track Foreclosure
When you are served with a foreclosure lawsuit there are deadlines on what you must file to ensure that your rights are protected. Failing to do so results in your case being determined to be in “default”, giving the bank a right to request a fast-track foreclosure hearing. Our lawyers will help to make sure that the proper legal filings are made to keep this from happening to you.
Ending Collection Calls
Foreclosure can be made all the worse by the never-ending stream of debt collection phone calls. This seems unfair, especially when repeated calls to your employer can be embarrassing or even put your job at risk. Included with the foreclosure defense service, your lawyer will also submit a cease-and-desist letter to the collection agency ordering them to stop calling you or your spouse at home, on your mobile phone, or at work. If they ignore this request we will explain your rights to file a counter-claim for violation of consumer debt-collection laws.
Obtain a Modification
Many people think that if they are in talks with the bank’s modification department that they will be spared from a foreclosure. This however isn’t true. We have seen many instances where the bank’s foreclosure department or lawyers have no idea what is going on in the modification department. Also working on a modification plan is not considering a legal “answer” as required by the summons attached to a foreclosure lawsuit. Having a lawyer help file a legal response can give you the time you need to complete the modification application process, without having your house sold at the foreclosure sale right in the middle of that process.
If you are interested in learning exactly how our lawyers can help you, contact our office for a consultation.