California Foreclosure Defense Options

It is understandable that many Americans are facing foreclosure due to the increasing cost of living and fears of a recession. If you are having difficulty keeping up with your mortgage payments, you are not alone. We understand how frightening it can be to be at risk of losing your home. Fortunately, there are options available. We strongly recommend that you contact our California Foreclosure Defense lawyers as soon as possible to learn about your options to save your home from foreclosure. Please call us today at 949-844-8445 to discuss your situation.

Options You Have When Facing Foreclosure

Depending on your circumstances, you have several options to explore when facing foreclosure. Our California Foreclosure Defense lawyers would be happy to discuss any of these options with you during your first free consultation. Contact us immediately.

You Can Do Nothing

Doing nothing and allowing your lender to proceed with foreclosure, will not save your home and is not your best option. If you do not take any defensive action, you can expect to be foreclosed in around 110 days. This could lead to eviction, a drop in your credit score, owing money to the IRS, and other consequences. We strongly advise you to consider other options before allowing the foreclosure to occur. 

Catch Up with Your Payments

If you have missed a few payments but are now able to make them again, you may be facing foreclosure. You could try negotiating a repayment plan with your lender, which could include applying for a loan forbearance. This is a common solution for people who have experienced short-term financial difficulties, such as a period of unemployment.

Modify Your Loan

If you are in a financial crisis with no end in sight, you may be wondering how to get out of it. Many people facing foreclosure consider modifying their loans. A mortgage lender can approve a loan modification, such as extending the loan’s length or reducing the interest rate, which would lead to lower and more manageable monthly payments. Compared to forbearance, a loan modification is a permanent option.

We suggest that anyone who has experienced the death of a spouse or disability should consider modifying their loan through a loan forbearance.

If your lender has violated your rights under the Bill of Rights, Dual Tracking, Loan Modification, or any other State or Federal law, we can help you fight back. We will take legal action against your lender to prevent the foreclosure sale from taking place. You have rights – let us fight for you.

Call Us Today To Schedule Your Free Consultation

You have options if you are facing foreclosure. Our California Foreclosure Defense Lawyers are here to help you get back on track towards financial recovery. We understand the stress you are under and are committed to helping you relax. Give us a call today to get started.