Are you behind on your mortgage payments? Are you concerned that the mortgage company or bank is about to file a foreclosure on your home? Have you just received a foreclosure notice from your bank or financial institution? What rights do you have? What steps can you take to prevent the loss of your house?
Many people don't have the money to catch up and think their situation is hopeless. It isn't. It is important to Contact a Columbus foreclosure lawyer so that I can work with you to understand the facts of your situation, the goals you have (like keeping your home) and help to identify the options available to you. We will work together to develop a plan which gives us the time needed to make sound decisions, the strength to negotiate with the parties involved, and to give you the most options to resolve your present financial challenges.
Court imposed mediation is provided by most State Courts (including Franklin County Common Pleas Court here in Columbus, Ohio). The goal of a court imposed mediation is to provide a forum whereby you can negotiate directly with the lender. This process allows you the time to find a financial solution, renegotiate terms of your mortgage or debt, or provide for other options to resolve the debt such as a "deed in lieu of foreclosure" or a "short sale".
Foreclosure complaints provide for a specific timeframe to file a response. Many homeowners feel powerless and simply ignore the complaint - "what else can I do?" Or, they simply call their lender or their lender's attorney without responding to the complaint in writing and filing that response with the court. In other words, you haven't done anything to slow down the process of losing your home. If you do not answer the complaint, the lender will proceed with a default judgment in an attempt to rush the property toward a sheriff's sale. They want you out of your home, and to take it back from you in the shortest timeframe possible. This is why you need to hire an attorney immediately.
You have options! Contact an experienced Columbus and central Ohio foreclosure defense attorney to protect your interests. At the Guthrie Law Office, LLC I bring more than 15 years of experience to your aid. Your lender is represented by a powerful team of lawyers and legal resources and you need someone who can stand up to them. I will answer the complaint (ensuring the maximum window of time for us to work), negotiate with the lender, assist you in providing the proper financial information to the lender, request mediation and represent you throughout the process.
If you are not represented by a foreclosure defense attorney it is easy for the lender to use stalling strategies to avoid working things out with you. I will hold them accountable. The biggest challenge I often hear from people is they receive a packet from lenders requiring information. They may dutifully fill them out and return them promptly, but the lender will claim they didn't receive them. The financial institution and their legal team will use bureaucracy and additional tactics to delay you. One hand won't know what the other is doing.
If the LENDER isn't held accountable time simply goes past and ultimately the foreclosure on your home is proceeding. The process doesn't slow down or stop just because you are speaking or working with them. Contact my office or call me today toll free at (866) 974-0232 to schedule a consultation to review your unique circumstances and protect your home.
I make sure they acknowledge receipt of our information, and that the bank or mortgage company is engaged and responding. I will work for you to ensure that a date is set for mediation, and that someone is available for that mediation with the authority to make modifications to your loan.
Once your case is formally in mediation the foreclosure process does stop until the court has made its determinations through the mediation. I will work with you throughout the process to identify every option available to you, and to help evaluate the advantages and disadvantages of each option so that you have the time to reflect on what is best for you, and ultimately resolve the foreclosure of your home with the best possible outcome.
It is possible to save your home and work through a foreclosure to become stronger than when you went into the process. Hiring an experienced foreclosure defense attorney protects all of your financial and legal interests and gives you the greatest number of options and the time to work through them. Contact a Columbus foreclosure lawyer today, or call me toll free at (866) 974-0232. There is hope, and I want to help you.