If you have missed some of your mortgage payments and have received notice of the bank’s intent to foreclose on your property, it is important that you obtain the legal advice and direction that you need. Here are tips on what to do if you are facing foreclosure.

Contact a HUD-Certified Housing Counselor

Before you agree to pay expensive attorney’s fees, first reach out to a HUD-certified housing counselor. This person is perfectly positioned to help you obtain a mortgage modification or provide you with other options to avoid foreclosure. He or she can also give you helpful advice on the foreclosure process and help you get organized.

Get Organized

To maximize the time you spend with your mortgage foreclosure attorney, start getting organized now. Create a chronology that describes what happened. Include details on the amount that you are behind and the dates when you received notices from your lender.

Gather documentation to help support your chronology. Provide your mortgage foreclosure attorney with the same documentation you submitted to your lender when applying for your mortgage or the mortgage modification. You might have an electronic copy of this message. A lawyer can carefully review this information and determine if you are eligible for mortgage foreclosure help because the lender used unfair practices when creating the mortgage or violated your consumer rights.

Keep a Detailed Log of Communications
Keep a detailed log of correspondence and records on each communication you had with your lawyer.

Look for a Qualified Mortgage Foreclosure Attorney

Ask for referrals to a qualified mortgage foreclosure attorney, check with local bar associations or do an internet search for a local mortgage foreclosure attorney. You can check if the lawyer has any ethical violations in his or her record. Meet with a couple of attorneys and gauge your comfort of working with each one. Ask questions at your initial consultation to determine the lawyer’s experience with foreclosure defense and the legal strategies that may be employed to assist you.

Be realistic with yourself. If you do not have enough income to meet your mortgage obligation, you may need to be prepared to walk away from your home. A conscientious mortgage foreclosure attorney can lay out your options. He or she should not agree to take your case if you have insufficient income to support your home or a plan to change matters quickly.

Develop a Plan

Once you retain the services of a qualified attorney, identify the type of mortgage foreclosure help that your lawyer can provide. Consider your goals, such as keeping the home, restructuring the mortgage, avoiding a lawsuit, giving the deed to your home back to the bank or another outcome. Once your lawyer understands your objectives, he or she will be better able to devise a plan designed to meet them. When you leave the office of your mortgage foreclosure attorney, you should have a clear patch about where you need to go and what you need, whether this means negotiating a mortgage modification or filing a complaint for predatory lending.

Contact Harry Ross for More Information
If you would like more information on how to defend against foreclosure or need mortgage foreclosure help, visit www.hjrlaw.com today.

Harry Ross
www.hjrlaw.com