As a landlord who hasn’t paid back a mortgage as required by the lender, you may risk foreclosure at some point. When you face foreclosure, the lender will repossess the home, and you will need to move out immediately.
If you decide to go to court, you will have to defend your case to stand a chance of winning. But this can be a complicated process if you do not have the necessary skills and expertise. Here are certain instances when you will need to hire a foreclosure attorney.
When You Think Your Case Is Valid
Some lenders often fail to apply the correct practices when repossessing a home. If you feel the lender repossessed your home improperly, you can hire a foreclosure defense lawyer to stand in the gap for you. The lawyer understands the proper procedure that the lender should follow before repossessing the home.
If the lender failed to follow the proper steps, your lawyer would have good evidence against the lender. You will need to make a legal argument through your lawyer to prove the lender wrong. The case could turn in your favor, especially when the lender fails to prove that you owe them a loan.
When the Lender Is Dual Tracking
Dual tracking is when a lender proceeds with the foreclosure after you’ve already applied to stop the foreclosure. It is legally wrong for the lender to proceed with the process when the application is pending. You can hire a defense attorney to take over the matter.
The lawyer will advise you on the proper steps to prevent the lender from further progress with the repossession. It would be best to do this as soon as you realize the lender proceeds with the foreclosure because taking time can lead to more frustrations. If you let it take long, the lender might repossess the home, and you may not be able to get it back.
When You Served In the Military
Whether you work in the military or served there previously, you can contact a defense lawyer to handle your foreclosure case. This is because the Service Members Civil Relief Act protects those who served in the military against foreclosures.
It is not easy to understand the SCRA acts if you do not have legal skills. This is why it is imperative to work with a defense lawyer who understands the act well. The expert can apply the proper knowledge and ensure compliance according to the SCRA act. This gives you a better defense against foreclosure.
When You Have Limited Legal Options
Dealing with a foreclosure case can be draining and time-consuming if you do not know the law or have limited legal options. In this case, you may not have a strong backing for your case, and you’re likely going to lose it to the lender.
Working with a foreclosure lawyer will save you many hustles in the long run. A Lawyer has in-depth skills and can help you to negotiate with the lender.
Remember, the foreclosure law is constantly changing. What may have been the law a few years ago may not be the same thing today. This is why it is imperative to work with someone who stays ahead of information and can give you several options to deal with the case.
When You No Longer Want To Keep the
Sometimes, it is not all about wanting the same home that the lender repossessed. In the case where you want to let go of the home for a new one, but you still have a foreclosure case in court, you can hire a lawyer to take over the case.
The court proceeds can be tiring, time-consuming, and difficult to handle if you do not have the skills. Living the work to a foreclosure lawyer will give you time to focus on other things.
The lawyer can represent you in court until your case is over. You won’t have to worry about handling legal documents or attending court proceedings all the time. You leave the work to the lawyer and stay back to wait for the final verdict.
Hire an Experienced Foreclosure Attorney
Before hiring a foreclosure lawyer, it is imperative to do due diligence and hire an experienced, highly skilled professional. Today, there are many lawyers in the field, and it may not be easy to choose the right one. Take time and analyze all your contacts before hiring one that will give you value for your money.