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When Do You Need A Foreclosure Attorney?


Have you found yourself in a dire financial constraint that you failed to meet the monthly amortization of your property and now facing foreclosure? Foreclosure is a legal process by which a lender cancels the right of the borrower to redeem the mortgaged property. To a property owner, foreclosure is a nightmare comes to life. If you are a homeowner and facing foreclosure you might want to seek the services of a foreclosure lawyer Fremantle.  There are cases that the expertise of a foreclosure lawyer can help in keeping your home or in gaining some additional time before the bank completes the foreclosure process.

So, when you should hire a foreclosure lawyer?

1.      You want to keep your home and you a defense on why you should keep it.

If you think you have a legal defense against the foreclosure and you want to keep your home, you most likely need the services of a skilled lawyer to help you in filing a lawsuit against the lender or in responding the lawsuit filed by the lender.  Foreclosure is a complicated legal matter, there are nuances that can make or break your defense in keeping your home. Some defenses that your attorney can work with are the following:

·        Proper foreclosure procedure was not followed. In a foreclosure process, it is vital to follow the state-specific procedure with few considerable exceptions. If you think the loan services did not the follow the correct foreclosure procedure, a skilled foreclosure attorney can work around it to secure a dismissal of the case in your favour.

·        Loan servicer made a grave error with your loan account. There are cases that the bank or the loan servicers commit a serious error in managing your accounts such as charging non-allowable or unreasonable fees, failing to credit payments, or misapplying funds.
·        
There is no legal proof that can prove it is your loan.

2.      If you want assistance in getting a loan modification

Loan modification is probably the most sensible action you can take when facing foreclosure. There are no additional fees when you modify a loan. However, it is quite hard to have it approved on your own. A skilled lawyer in Fremantle can help in working with the loan servicer to avoid getting your property being foreclosed.


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