If you would prefer to contact us online, you can also take advantage of a free case evaluation by filling out the form that is conveniently located on our website. Either way you choose to get in touch, we encourage you to do so quickly. Time is of the essence when facing the potential loss of your home.
Get in touch with Law Office of Michael P. Forbes, PC by dialing (610) 991-3321 or completing our form.
How a Foreclosure Lawyer Can Help
Rather than surrender and lose your home to foreclosure, you may have other options. It is important to keep in mind that your lender may not want your property. They may initiate foreclosure proceedings because that is the only option they see to avoid a total loss, but if your property is worth less than what you owe, you may be able to work out an effective alternative with your lender. The bank may have also made a mistake or violated your rights in some way in regard to your foreclosure lawsuit; this can be used in your favor to fight foreclosure and save your home.
No matter the particular circumstances of the foreclosure proceedings you are dealing with, an experienced Philadelphia foreclosure lawyer can offer you helpful information to help you make the right choices about your unique case.
What Can Our Philadelphia Foreclosure Defense Attorney Do?
A foreclosure attorney with the proper knowledge and resources can offer you a number of valuable services at virtually any stage of your case.
This may include:
- Examining all relevant legal documents related to the loan, purchase agreement, and more.
- Offering you accurate information regarding your specific options.
- Helping you pursue the option you choose.
- Handling all communication with the lender's legal department.
- Protecting your rights as a homeowner in any and all proceedings, in or out of court.
- Negotiating with the lender to modify your mortgage agreement, if this is the right course of action.
- Defending you in court.
- Delaying foreclosure proceedings.
- Challenging the validity of foreclosure based upon mistakes, procedural violations, or infringement on your legal rights.
For many people, their home is the greatest investment of their life. When you have invested potentially tens of thousands, if not hundreds of thousands of dollars in your home, you may not wish to lose it to foreclosure. Oftentimes our family home is more than a financial investment, it's an emotional one as well. Whether this was your dream home, or if you watched your children grow in the home, you may want to do what you can to save the home you have grown to love.
For more information, read our blog post about when to call a foreclosure defense lawyer.
Can An Attorney Stop A Foreclosure?
You may halt or slow down the foreclosure process with a foreclosure defense lawyer. In some cases, we fight the foreclosure to buy you more time to move or apply for a mortgage modification. Sometimes the foreclosure process itself may be flawed. In other instances, the bank may be wrong about you being behind on your mortgage payments. Foreclosure defense can provide an opportunity to compel the bank to show proof regarding its ability to foreclose. Even if you are not able to keep your home, an experienced foreclosure defense attorney can assist you in avoiding the liability associated with the foreclosure.
A lawyer can look over your loan and handle any unethical or exploitative lending practices. For example, a lender may file a foreclosure wrongfully or make errors in loan documentation at closing. Even a small error in calculating your annual percentage rate might result in a violation of the legislation, allowing you the right to cancel the loan.
A foreclosure defense attorney from Law Office of Michael P. Forbes, PC thoroughly knows state foreclosure laws and your rights; the process and any possible tactics can all be explained by the lawyer. Your lawyer can also negotiate directly with the bank on your behalf in order to secure an out-of-court settlement. Other choices include a loan modification, short sale, or deed in lieu of foreclosure. Working with an attorney increases your chances of communicating effectively with the bank and you are less likely to get lost in the shuffle or pushed to the sidelines.
Getting the Legal Guidance You Need
The average person does not know much about the law and how it affects them in a foreclosure proceeding. Since you are dealing with such a large investment, it's a good idea to seek legal advice from a qualified attorney. If you were being sued, wouldn't you hire an attorney to defend you? The same goes for your home, whenever you are facing legal and financial consequences; it's a wise idea to seek the advice of an attorney who can explain the law, as well as all of your options. Once you are fully informed you can make the most reasonable and viable decision that is right for you and your family.
Contact a Philadelphia foreclosure attorney today to find out what can be done to save your home or discuss other alternatives to foreclosure.
Our firm handles cases in Coatesville, West Chester, Downingtown, Upper Darby, Chester, Lansdale, Norristown, Phoenixville, King of Prussia, Media, Lansdowne, Havertown, Plymouth Meeting, Doylestown, New Hope, Exton, Royersford, Newtown, Douglasville, Reading, Collegeville, Exeter, Chester Springs, Burkesville and Birdsboro and throughout Philadelphia County, Bucks County, Lancaster County, Chester County, Montgomery County and the surrounding areas in Southeastern Philadelphia.
