In Florida, what's known as a real estate attorney or foreclosure defense lawyer can help you halt the foreclosure process. This page will cover what to do if you are in the process of being foreclosed on and want to know your rights as a homeowner. Foreclosure is not always unavoidable, but it is hard for homeowners to find information about how they can defend themselves against banks or other parties who would like them out of their home.
When you are facing foreclosure, it may seem like the world is against you. It would seem that the last thing that you need to worry about is hiring a real estate lawyer to help defend your rights in court, but finding the right one could make all the difference. Finding a good foreclosure defense lawyer can be tricky, especially when so many of them advertise themselves as being experts in this field and claim that they can always win all of their cases. How do you know which one will actually work for your case and represent you the way that you deserve? With these tips, we hope to make the process easier for you!
If you are in Florida and facing foreclosure, it is important to find a good defense lawyer as quickly as possible. Foreclosure can be devastating for homeowners and their families. It can lead to homelessness and financial ruin, as well as a lot of stress. This is why you need the experienced Florida foreclosure defense lawyers at Katz & Associates Law Firm on your side!
Finding the right attorney for this type of case can be tricky due to the volume of fraudulent lawyers who claim that they are experts in these cases or guarantees victory. However, by following these guidelines you will be able to find a good foreclosure defense lawyer that you can trust.
The first step is figuring out what type of attorney you need and who would best fit your needs. There are many types of lawyers, but for this specific case, we recommend an expert in real estate law or bankruptcy litigation as they have experience with foreclosures and bankruptcy proceedings.
The next step after finding a lawyer in the area that fits your needs is contacting them to schedule an appointment. During this meeting, you can ask about their experience with foreclosures and bankruptcy cases as well as what they do for each case specifically. It's also important to find out how much it will cost upfront so that there are no surprises along the way. You may be hesitant about just requesting an initial consultation because attorneys are usually very busy people but it's critical that they have a chance to meet you face to face, let you explain your situation, and let you know your options. An in-person meeting makes it easier for you to determine the lawyer's personality and ability to handle your case. Always go with your instinct.
Next, get on your computer and Google their reviews. How have others felt who have used their services before? This can tell you a great deal about the law firm immediately. Don't be discouraged by the occasion negative review. No one can please everyone. Some foreclosure situations can not be saved no matter how great the attorney is, and that will surely lead to a negative review. What to look for in that situation is how did the lawyer respond to that negative review. How an attorney reacts to the worst situations will give you a clear indicator of how good they really are.
You'll meet again with the attorney to further discuss your situation and how they can best help you. You may have a lot of questions, so make sure you write them down beforehand to make it easier for both of you. The next step will be case review which involves looking over all relevant information about your foreclosure: loan documents, appraisal reports, mortgage details, payment history, etc.
Then you will more than likely discuss the possible courses of action and what are their advantages or disadvantages, as well as how much time each one would take to pursue. You'll be offered with an estimate on fees based on your situation and given a list of documents needed for the initial stages, such as bank statements; tax returns, financial situations, employment status and history as well as many other things that will be relevant for your case.
You will then go over the next steps for your case, such as what's going to happen with the property if you lose; how long it takes from beginning to end of a foreclosure defense process, and alternatives to foreclosure (such as loan modification). You'll also learn about possible risks and/or rewards associated with these solutions. You will even discuss other possible options such as bankruptcy and if it would benefit your particular situation. Many people see bankruptcy as a bad thing, but for a lot of cases, it can be a very beneficial situation to make moving forward in life a great deal easier.
Once this is done, your foreclosure defense attorney will begin to chart the course of your case and let you know the best path to take.
Many good Florida foreclosure defense lawyers will provide an initial consultation free of charge and there are some that offer solutions like a loan modification or short sale without charging anything upfront. The process can be very slow or very fast (anywhere from six months to two years) depending on the severity of your case and how quickly you are willing to make compromises.
Some good foreclosure defense lawyers in Florida will offer an initial consultation free of charge with no obligation, which is a great way for them to assess your situation before they begin working on it as well as a great way for you to feel them out as well.
An individual should not feel pressured to sign anything during an initial consultation. Most foreclosure defense lawyers will be able to work with you to come up with a plan that best suits your situation without charging any money for the first meeting.
If there is a chance of getting into a short sale or loan modification, a good Florida defense lawyer will be able to help you with these.
When looking for a foreclosure defense lawyer in Florida, there are many different factors that should be considered such as the severity of your case and how quickly you are willing to make compromises.
Finally, go with your gut. Many people are good judges of character. How you are treated from the first phone call until the final judgment is what separates a great Florida defense lawyer from a bad one.
Katz & Associates experienced Florida Real Estate Attroneys and Florida Foreclosure Defense Lawyers with decades of experience in Bankruptcy Litigation and the Short Sale process would love the opportunity to speak with you about your options. Schedule your free no obligation consultation by hitting the button below.Schedule A Free Call Now
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