The Complete Guide To Preventing Foreclosure On Your Home Legal Secrets To Beat Foreclosure And Prot


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Man, think of the deal you can get! The truth is that there are deals to be found when buying a foreclosed home. A foreclosed home is a house that now belongs to a bank instead of an individual homeowner. The Complete Guide To Preventing Foreclosure On Your Home Legal Secrets To Beat Foreclosure And Prot A foreclosure is the same concept—but with houses. This process, which can take anywhere from a couple of months to years depending on the location laws vary from state-to-state , allows the bank to sell the house and try to get back some of the money it lost when the borrower stopped making their loan payments.

  1. What is a foreclosed home?
  2. Consumer Action Saving Your Home from Foreclosure ()
  3. 5 Ways to Stop the Foreclosure Process HGTV

If you are struggling with your mortgage and need help stopping a foreclosure and finding a resolution to your situation, The Lane Law Firm is here to help. Our passion is helping our clients turn around their tough situations — just as we've done for more than a thousand clients since Your home is your castle, a safe haven for you and your family. If you are facing foreclosure, particularly in the aftermath of storm such as Hurricane Harvey, a divorce, job loss, hospitalization or death, it threatens the stability of your home life.

Once a foreclosure action has been made, you typically have less than 21 days to act before your property is sold at auction. The banks have lawyers to protect their rights, and so should you.

A Temporary Restraining Order TRO is typically the best way to stop an impending foreclosure, but in some cases it may not be necessary at all. As a last resort, we can file for and The Complete Guide To Preventing Foreclosure On Your Home Legal Secrets To Beat Foreclosure And Prot a TRO from a judge in order to stop the foreclosure process immediately.

We understand you want to slow the foreclosure process or stop foreclosure altogether. In many circumstances, we can delay your foreclosure or lawsuit long enough to allow you to catch up on late payments, if you wish to simply reinstate the mortgage, or until you can complete the short sale of your home.

Depending on your situation, we may be able to:. Contact us today to find out how we can help with your foreclosure or other mortgage matter. We offer free, confidential consultations where we'll help demystify the legal process and you understand your options.

We'll also develop a legal strategy specifically with your goals in mind and provide a free cost estimate of what it will take to accomplish them. When facing a foreclosure, many people think bankruptcy is their only means to stop foreclosure. While bankruptcy does provide an automatic temporary stay to avoid foreclosure, it causes considerable damage to one's credit so it is advisable to consider all other remedies first.

At The Lane Law Firm, we believe that bankruptcy is not the best option for most of our clients. If you have overwhelming debt from your mortgage and other creditors, bankruptcy may be your best option.

Click here to find out more about our bankruptcy services. We encourage our clients to remain in residence at their homes. If you leave, the mortgage company will consider the property to be abandoned and they will not treat you as favorably when it comes to your loss mitigation options.

Also, remaining in the property protects it from deteriorating, becoming vandalized or broken into, and keeps squatters from taking up residence. Any devaluation of the property will increase the loss the bank may incur, which may increase your liability should you be sued for a deficiency. Remaining in the property is in your best interests as well as you will not acquire extra expenses for living elsewhere while investing in getting out of your situation during the legal process.

Want to help Texas homeowners resolve their mortgage issues? The most frequent cause for foreclosure is a sudden and temporary change to the financial condition of a household. In most cases this may be a birth or death in the family, an extended and unexpected hospital stay, caring for loved ones, divorce, change in job or working conditions.

If your temporary situation has passed but your mortgage servicer is no longer accepting payment or moving forward to foreclose then you could benefit from the help of a foreclosure defense attorney or foreclosure defense lawyer.

In spite of the fanfare and The Complete Guide To Preventing Foreclosure On Your Home Legal Secrets To Beat Foreclosure And Prot promises, achieving a meaningful loan modification without professional assistance has proven to be an extremely difficult task. While The Lane Law Firm does not modify your mortgage, a modification by the servicer or lender of your mortgage may be a favorable settlement outcome of your litigation.

If you own a home that is facing foreclosure in Texas, you may have received a letter starting that process, stating that your property would be foreclosed upon in 21 days. This does not give much time to save your house without intervention. With help from an experienced lawyer, you can stall or even stop the foreclosure process completely.

Often, when considering alternatives to foreclosure, Texas homeowners often have concerns regarding the costs involved with either a short sale or loan modification. In essence, the question comes down to, do you want to stay or move out of your property.

If you have the ability to pay principal, interest and payments on a mortgage, you can negotiate for a loan modification. If you are unable to make regular mortgage payments, then you are able to sell your property through a short sale. Our attorneys are experienced in all aspects of mortgage litigation including loan modifications, and they can negotiate with your lender to get you back in good standing through a solution that is best for you.

The bank may offer loan modification in attempt to settle mortgage litigation claim, if you have the necessary income to qualify. If you have little to no equity or if you don't have the financial ability or desire to seek a loan modification, a short sale may be a good option for you. A Short Sale, or Pre-Foreclosure Sale, is when the bank agrees to allow a house to be sold for less than what they are owed.

The "Short" in Short Sale refers to the payoff being less than what is owed, not the amount of time required to complete the process.

They then decide if the offer is sufficient and approves or negotiates the offer. Once approved, the property closes with a title company and possession passes to a new owner. Negotiating a Short Sale can be very difficult. The Lane Law Firm is the largest and most experienced Foreclosure Relief Services law firm in Texas with an experienced team of Attorneys, legal support staff, and seasoned client relationship managers.

We've helped over 1, families complete a Short Sale sinceand we want to help you too! If you want to find out if a Short Sale can benefit you in your situation, contact Steven Schwinger, Senior Client Relationship Manager, at or schedule an appointment here.

Although it is preferable to intervene in a Texas foreclosure before it is finalized, there are legal steps you can take even after it is finalized.

Typically in Texas, homeowners are given only seven days to move out or they face eviction and the auction of their belongings.

Owning a home is a major accomplishment that comes with huge responsibilities. about foreclosure alternatives available to you, and guides on how to avoid scams. with your lender and determine which options are best for you based on your The MHA is a broad strategy to help homeowners avoid foreclosure.

A skilled lawyer can advocate for more time for you during this transition. If your foreclosure is pending, we can take various measures to delay or even prevent it from happening. Our Houston wrongful foreclosure attorneys will closely evaluate your situation to determine if the bank has followed the rules during the process. For example, we will evaluate the following:. If your life or business has been overtaken by debt, you may be considering bankruptcy as an option.

What is a foreclosed home?

If you are dealing with collection letters and harassing phone calls from creditors, an experienced Texas lawyer can explain your options and find the solution that's best for you.

Bankruptcy and other tools can provide the debt relief you need, and get you a fresh start. We understand the variables involved in consumer bankruptcy and business bankruptcy, and we will review your financial documents to advise on the best option for you. Sometimes this is bankruptcy, but often it's not.

It's common for businesses to hit tough times and accumulate too much debt. Commercial bankruptcy and other tools can allow you and your business the opportunity to reorganize and remain in control of your future.

Consumer Action Saving Your Home from Foreclosure ()

An experienced lawyer can help you to explore your options. Our skilled consumer bankruptcy attorneys have the knowledge required to advise you on your debt relief options and guide you through the legal process. We are prepared to help with the following:. If you are considering a bankruptcy, odds are you are concerned about a foreclosure of your home or repossession of your vehicle and other assets.

These circumstances require a skilled attorney to evaluate your situation and find a solution that is best for you — which may or may not be bankruptcy. In addition to bankruptcy, other options are available that may stop foreclosure actions, vehicle repossession and wage garnishment. Depending on your situation, it also may be possible to have your debt dismissed, your mortgage modified or foreclosure permanently stopped.

It's never too late to get the relief you need. He was extremely courteous, clearly competent to handle the situation I found myself in, and immediately took the case, stopping the foreclosure the next day.

You will also learn about foreclosure rescue scams, nonjudicial foreclosure, judicial foreclosure, and notice of default. In addition, this book will show you how to decide if your property is worth saving, how to figure out how much time you have to act, how to use the courts to stop foreclosure, how to decide whether bankruptcy is your best option, and how to use your military status to prevent foreclosure. You will learn about debt counseling and income maintenance, tax abatement, and public assistance programs. This book also provides details on the recent modifications to the Home Affordable Modification Program HAMP and to the Federal Housing Administration FHA programs offered by the federal government to assist homeowners who have been affected by the economic crisis through no fault of their own.

The end result was that I was able to sell my house shortly after he stopped the foreclosure, which kept a foreclosure off my credit report. I highly recommend this law firm. From the attorneys to the paralegals to the office staff - this firm is knowledgeable, friendly and easy to work with I wasn't able to pay my mortgage and had to go into foreclosure.

  • You will learn about debt counseling and income maintenance, tax abatement, and public assistance programs. This book also provides details on the recent modifications to the Home Affordable Modification Program HAMP and to the Federal Housing Administration FHA programs offered by the federal government to assist homeowners who have been affected by the economic crisis through no fault of their own.
  • The Complete Guide To Preventing Foreclosure On Your Home Legal Secrets To Beat Foreclosure And Prot, With an OverDrive account, you can save your favorite libraries for at-a-glance information about availability. Find out more about OverDrive accounts.
  • Although you might have a busy life, scheduling such activities into your week can help you feel refreshed and be more productive. This is really informative and I will for sure refer my friends the same.

Rarely have I found a lawyer with more compassion and expertise. It was such a blessing to turn all my problems over to Robert and have them resolved with such expediency.

5 Ways to Stop the Foreclosure Process HGTV

In this day and time it is fantastic to find such a professional group of people. If you have a problem, turn to Robert for resolution.

I contacted Greg Tidmore at Lane Law Firm and within 6 months, we closed on a short sale of the property that had been vacant for 5 years. Give these guys a call- they will listen and tell you if they think they can help you.

They definitely were able to help me. Privacy Policy and Terms of Use. In the event a client should choose bankruptcy and seek our help to file under the United States Bankruptcy Code, The Lane Law Firm would be considered a debt relief firm.

We are not licensed by the Texas Board of Legal Specialization. Use of this website does not constitute legal advice and does not establish an attorney-client relationship. None of this content may be used without express written consent. Images are not intended to portray actual clients; they are for navigational purposes only. Principal Office Houston, Texas. Foreclosure Relief Services. Loan Modification Short Sale Bankruptcy. Bankruptcy Should Not Be Your Only Option When facing a foreclosure, many people think bankruptcy is their only means to stop foreclosure.

Real Estate Professionals Want to help Texas homeowners resolve their mortgage issues? Click here to find out more. Recent Posts. How Can We Help You? I called them up, came to meet with them, and from the moment I met with them, I knew right away that this was the place I was supposed to be. They assured me that they will be able to help me in some way or another and be honest about it.

Loan Modification The most frequent cause for foreclosure is a sudden and temporary change to the financial condition of a household. Short Sale If you have little to no equity or if you don't have the financial ability or desire to seek a loan modification, a short sale may be a good option for you.


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