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The worst thing you can do, if facing foreclosure, is sit back and let it happen. If you anticipate foreclosure or have already received notice, you have many options. You may be able to keep your home and if you cannot, you can at least minimize the damage to your credit, possibly keep the equity you have earned, and protect yourself from further financial liability. The foreclosure law firms listed on this website help people like you achieve the best possible resolutions and protect their futures.

Foreclosure Law

It is important to remember that foreclosure law varies from state-to-state, and it changes over time. Even if you or someone close to you has previous experience with foreclosure, you cannot assume that you know what to expect and what all of your options are here and now. An excellent foreclosure law firm in your state can help you with all of the legal aspects of foreclosure including:

  • Foreclosure defense
  • Alternatives to foreclosure
  • Loan modification
  • Deed in lieu
  • Short sale
  • Bankruptcy
  • Strategic default
  • Deficiency judgment
  • Wrongful foreclosure
  • Judicial foreclosure
  • Non-judicial foreclosure

You Must Act Quickly

Depending on where you live and the terms of your loan, you may only have a few days to take some kind of action. You may receive a default notice, notice of intent to file a foreclosure lawsuit or some other type of notice, giving you a specific amount of time to respond or pay up in order to delay the action or save your home. In some places the only notice requirement is by publication.

If you even suspect that you are headed for foreclosure, talk to a foreclosure law firm right away. The sooner you can start trying to resolve the problem, the more likely your lender is to work with you.

To learn more about foreclosure and your rights, please search this directory for an excellent foreclosure law firm in your area.

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Judicial vs Non-Judicial Foreclosure

A judicial foreclosure is a lawsuit that goes through the court. A non-judicial foreclosure is not a lawsuit and does not go to court. There are some advantages and disadvantages to both types of foreclosure for borrowers and lenders. One big difference is what it takes to fight foreclosure.

In a judicial foreclosure there is an existing lawsuit, so it goes before the court for review and you have the opportunity to point out any errors that can stop the foreclosure. In non-judicial foreclosure, the burden is on you. If you want to fight it, you have to file a lawsuit and pay the fees for doing so. You have the burden of proving to the judge that the foreclosure should be stopped or delayed.

Some states require judicial foreclosure while others do not, but there can be other factors that determine whether you will face judicial or non-judicial foreclosure. A local foreclosure law firm can tell you what type of foreclosure you may be facing and what steps you need to take if you choose to fight it.