Practice Areas

In today's tough economic times with depressed real estate markets, many homeowners are facing potential residential foreclosures. Often, these legal actions have come about through no fault of the homeowner involved. Job loss through downsizing, cutbacks, market failure, reduced hours or wages, illness or injury resulting in lost employment and spiraling medical expenses, loss of investment income, business failures, costly divorce, and other situations can lead to severe financial distress. Furthermore, many homeowners have been subjected to unfair lending practices and have seen their home values fall below what they owe.

To learn more about the legal aspects of foreclosure and how our firm can help you, click on the highlighted areas of each topic to be directed to another page that presents additional material concerning that subject.

Foreclosure Defense

At Foreclosure Defense LLC., our main objective is to defend the rights of homeowners facing foreclosure. As foreclosure defense attorneys, we are experts in every angle, detail and situation that can be found in a foreclosure case.

Loan Modification

Loan modification is a term that is brought up quite often, but many people don't understand exactly what it is and to whom it is available for. Basically, a loan modification is a restructuring of your current home loan.

Mortgage Litigation

Mortgage litigation is a form of legal action taken in a court of law and involving some aspect of a real estate mortgage loan. While mortgage foreclosure actions may be the most common type of mortgage litigation, there are a number of other legal actions that fall within the category of mortgage litigation, as well.

Restructuring

The purpose of loan restructuring is to provide a long-term solution for borrowers, who due to unforeseen circumstances, no longer see the repayment of their loan as a feasible option. Through a loan restructure, the lender would grant the borrower a more manageable repayment plan in order to help the borrower keep their home.

Short Sales

A short sale occurs when the property is sold for less than the loan amount with the cooperation of the lender. It permits more owner control over the process and according to Fannie Mae, less credit consequences than a foreclosure. Not all lenders will approve a short sale and not all owners or all properties qualify for short sales.