Foreclosure is something that every homeowner wants to avoid. There’s nothing worse than losing your home because something happened and you weren’t able to handle the situation successfully. A foreclosure defense attorney can ensure that you can find the best possible solution for your situation even if it means negotiating with mortgage lenders and representing you against any form of foreclosure litigation.
While all men are created equal, not all defense attorneys are. It is important to take note of a few minor details and ask yourself a few important questions before hiring your attorney. Once you find a suitable attorney, ensure that you ask him or her a few relevant questions.
Things to look out for when choosing your attorney:
Are they licensed?
Ensure that they are licensed to practice in your state. Each state has different regulations with regards to foreclosure.
What is their area of specializations?
It’s pointless to hire a firm that specializes in family law or the like when all you need is a professional defense lawyer if your home is facing a foreclosure.
How long have they been practicing?
Ensure that the firm representing you has at least a few years under their belt. Ask how many foreclosure cases the attorney has defended. The longer the firm has practiced, the more likely it is that they’ll have the necessary experience to help you. Depending on the various options available to you; you may decide to proceed with one form of action, but if your attorney has no relevant experience, you may find yourself paying for services that can’t help you.
Things to ask your potential attorney:
What would be their recommended course of action?
Give your attorney the relevant details and find out what their plan of action is to ensure that you could possibly keep your home. Your attorney should explain all forms of recourse available to you. Depending on his recommendations you may either fight against the foreclosure, you may attempt a loan modification , seek a short sale or file for bankruptcy.
Considering that states will change and update foreclosure laws, it is important to find out if your attorney has taken continuing legal education courses or seminars and has kept up to date with the various changes that were implemented.
What is your fee structure?
Ensure that you are able to afford your attorney and inquire about the relevant fees. Some may charge a flat rate, whereas others will charge a monthly or hourly rate. Make sure you know exactly what services are included.
You may find yourself questioning whether or not you really need a foreclosure defense attorney. Depending on what your home means to you, you may want to make the decision to save your home. If you’re unsure of what to do, consult a foreclosure practitioner and find out what options are available to you.