Davie Foreclosure Defense
There are times when a homeowner falls behind with mortgage payments due to unforeseen circumstances or unexpected expenses. In this case, the homeowner’s lender will most likely to file a foreclosure on the home. This is an extremely devastating situation, as a home is the most valuable and most sentimental asset that most people own. At Loan Lawyers, our Davie, FL foreclosure defense attorneys provide exceptional foreclosure defense to ensure that homeowners retain their property.
If you have received a foreclosure notice on your home, just know that you are not alone. Florida is one of the states with the highest rates of foreclosure in the country every single year. The best course of action is to contact an experienced Davie, FL foreclosure defense attorney and at Loan Lawyers, our team is ready to fight for you.
Our Experienced Davie Foreclosure Lawyers Provide Options
Over the years, Loan Lawyers has helped homeowners in Davie and throughout South Florida stay in their homes. We know how stressful and complicated a foreclosure can be for homeowners, and we take a unique and detailed approach to every case. Our foreclosure attorneys in Davie, FL focus on lender negotiation, fraud investigation, loan modifications, and more so that we can provide our clients with better solutions.
Lender Negotiation and Mortgage Modification
During the initial discovery process, we review anything and everything related to your case – from contracts to pay records to court appearances. Most of the time, we are able to come across something that allows for lender negotiations to begin.
Our foreclosure lawyers in Davie, FL are experts in negotiating with bankers and lenders. When we do meet with your lender, we will look to negotiate a mortgage modification and look for ways to:
- Get a temporary suspension on payments until your financial situation improves
- Minimize the loan’s principal
- Reduce the interest rate
- Dismiss all late penalties
Bankruptcy
In some cases, homeowners can file for either Chapter 7 or Chapter 13 bankruptcy and this may help eliminate or delay the foreclosure for the time being. They are typically able to maintain the rights to their homes as well during this time. Our attorneys can help you file for bankruptcy.
Loan Withdrawal
Sometimes, homeowners can choose to withdraw their loan if it was signed within three years. Homeowners can also withdraw their loan if they recently refinanced their house if it is within the acceptable timeframe.
Document Analysis
Often, lenders make mistakes and can misplace important materials or documents related to a foreclosure case. In many states, it is mandatory by law that lenders present all required documentation, or they will not be able to move forward with filing for a foreclosure on your home. Or, lenders may have submitted payments to the wrong accounts – therefore, resulting in the foreclosure case being dismissed.
Fraud Investigations
There are many instances where lenders have been found guilty of committing fraud by secretly raising interest rates or frequently refinancing the loan. Lenders have also been found guilty of targeting vulnerable and elderly people that may not fully understand the terms or know what they are really signing.
Contact Our Foreclosure Defense Lawyers in Davie, FL Today
If you have received a foreclosure notice, contact our Davie, FL foreclosure attorneys as soon as possible. Florid law states that you only have 20 days to respond to a foreclosure notice, or your home will automatically be in default.
For more information on foreclosure defense in Davie, Florida, contact us at 954-523-HELP (4357). Schedule your legal consultation today.
