Bankruptcy Attorneys - New Hampshire
Homeowners have been hit especially hard by the wave of foreclosures that continues to threaten and burden the American economy. For those who are in foreclosure or are in eminent threat of defaulting on their mortgage payments, FAMILYLEGAL can provide you with the resources to defend against the foreclosure and act as a guide through all of the options available to you.
• Negotiate a Loan Modification with the your lender
• Sell your home for a fair price
• Refinance your home at a fair rate
• Help restructure your financial situation
• File a Chapter 13 or 7 Bankruptcy
• Reinstate your loan
No borrower or homeowner should endure foreclosure proceedings without the assistance of experienced foreclosure defense attorneys. In addition, it is now illegal in most states for anyone other than an attorney, to charge up-front fees to negotiate a loan modification with your Lender. If your lender is threatening to foreclose, or even if you've already had papers filed against you, it may not be too late to save your property. Homeowners have rights and unless they invoke such rights, they may be deemed to have waived the right to mount the best possible legal defense to save their home or property. Homeowners should also beware of lenders that continue to negotiate with a borrower while they also proceed with their foreclosure action. Many homeowners fail to defend against their lender's foreclosure actions based on false representations and false hopes that their lender will work with them and not pursue a foreclosure. This is called “dual-tracking.” While expressly prohibited by Making Home Affordable guidelines and lenders agreeing to discontinue the practice, it still persists.
Once you've been served with court papers or a Notice Of Foreclosure, you may have only a few days to fight back and stop your home from being sold out from under you. The longer you wait, the harder and more expensive your fight may become and you may be deemed to have waived your rights to some or all aspects of the defenses you could otherwise mount against the foreclosure. That being said, even if your sale date is just days away, in some cases it is still possible to stop the sale and keep you in your home. Ultimately, we highly recommend you contact us as early as possible in the process to protect your rights to the fullest possible extent of the law.
Seek legal representation now if you were served with foreclosure papers or are expecting to receiving foreclosure papers so we may promptly assist you.