If you were served with a foreclosure notice, you may need to hire a residential real estate lawyer to help you fight the foreclosure. A lawyer can help you if you have a legitimate defense to the notice. Here are a few situations in which you may have a legitimate defense and should consider hiring a real estate attorney to help you:
Proper Foreclosure Procedures Are Not Being Followed
Each and every state has different laws that must be followed when it comes to foreclosures. In most states, a lender is required to notify you that you are behind in payments and that they intend on foreclosing on your home by a certain date if you fail to bring the payments current. This gives you time to apply for a loan modification program or make your payments. But if a lender does not follow these laws, you may be able to fight the foreclosure. This can buy you more time in your home and/or give you the time you were legally entitled to to try to catch up, short sell your home or qualify for a loan modification program.
There Were Errors Made in the Accounting of Your Loan
Another defense to a foreclosure notice is errors being made in the accounting of your loan. If you have made your payment but it wasn't properly applied or if the lender is overcharging you for interest or late fees, you may have a case for errors being made. A residential real estate lawyer can look at the accounting of your loan and determine if the payments you have made were applied properly or if something is off.
You Are in the Military
The last defense you may have to a foreclosure is being a member of the United States military. Active military members have more protection against foreclosure than regular individuals. If you are an active member of the military and you are facing foreclosure, speak to a real estate attorney to find out what rights you have to help you keep your home.
If you were served with a foreclosure notice, a residential real estate lawyer may be able to help you fight the foreclosure if the proper laws are not being followed, there were errors made in the accounting of your account or you are in the military. Contacting a lawyer after being served will help you determine if any of these situations apply to you and what recourse you may have that may be able to help you keep your home.
Contact a lawyer like Steve Butcher Sr for more information and assistance.