Are you behind on your mortgage payments? Are you concerned that your mortgage company 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?
Select an Experienced Attorney to Protect Your Home
Many people don't have the money to catch up on their mortgage payments and think their situation is hopeless. It isn't. It is important to select an experienced bankruptcy defense attorney to secure your best interests. I am Columbus attorney Graham D. Guthrie with more than 18 years of experience representing homeowners in similar situations to yours.
Your lender is represented by a powerful team of lawyers with extensive legal resources. You need someone who can stand up to them. At the Guthrie Law Office, LLC, I will take every measure possible to help you maintain your home. I will work with you to understand the facts of your situation, your goals and help you with the following steps:
- Negotiating with your lender
- Assisting you in providing the proper financial information to your lender
- Requesting mediation and representing you throughout the process
We will work together to develop a plan that gives us the time necessary 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. Contact my law firm today to schedule a free 30-minute consultation with a skilled Columbus foreclosure defense attorney.
Why Hire a Lawyer When Trying to Avoid a Foreclosure?
Homeowners are required to respond to foreclosure complaints within a specific time frame. Many homeowners feel powerless and simply ignore the complaint. Other homeowners call their lender or their lender's attorney without responding to the complaint in writing and filing that response with the court. These actions will not slow down the process of losing your home.
If you do not answer the foreclosure complaint, the lender will proceed with a default judgment in an attempt to rush the property toward a sheriff's sale. The lender's goal is to get you out of your home in the shortest time frame possible.
Without the help of a foreclosure defense attorney, the lender can use stalling strategies to avoid working things out with you. Often, lenders ask homeowners to fill out a packet of information and then claim they never received the information. Financial institutions will use bureaucracy and additional tactics to try and delay you. When you select my law firm, I will hold the lender accountable.
If the lender isn't held accountable, the foreclosure will ultimately proceed. The foreclosure process doesn't slow down or stop just because you are speaking or working with them. When you select my law firm, I will fight back against the bank's stall tactics by ensuring the bank responds to our requests and acknowledges receiving your packet of information. I will work to ensure a mediation date is set with someone who has the authority to make modifications to your loan.
Avoiding Foreclosure Through Court-Imposed Mediation in Ohio
Court-imposed mediation is provided by most state courts, including in Franklin County. The goal of court-imposed mediation is to provide a forum for you to negotiate directly with the lender. This process allows you the time to:
- Find a financial solution
- Renegotiate terms of your mortgage or debt
- Evaluate other options to resolve the debt concerns such as a deed in lieu of a foreclosure or a short sale
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 the options available to you and the advantages or disadvantages of each option. I am committed to helping you resolve the foreclosure of your home with the best possible outcome.
Wondering How Do I Keep My Home? Contact a Skilled Lawyer
It is possible to save your home and avoid a foreclosure. Hire an experienced foreclosure defense attorney to protect your financial and legal interests. Contact my law firm online or call 614-454-3195 or toll-free at 866-974-0232 to learn how you can protect your home. I also have experience helping consumers gain a fresh start through filing for Chapter 7 and Chapter 13 bankruptcy.