How a Foreclosure Defense Lawyer Can Leverage the Law (and Other Resources) to Help You Keep Your House
You never wanted to have to contact a foreclosure defense lawyer. But you suffered a major financial setback, and now you and your family are in crisis mode.
Perhaps you or your spouse was suddenly laid off due to the contracting Kansas and Missouri economies. Or maybe you made some inadvisable investment decisions. Or perhaps you suffered a serious medical emergency and had to tap into your saving reserves to pay for care. In any case, you are now confronted by the very real possibility of suffering through foreclosure, along with the thought that you and your family will have to find somewhere else to live.
Foreclosure Defense Lawyer Has Solutions
A Kansas lawyer with the team of Fletcher, Rohrbaugh & Chahine can help you understand precisely what you are up against, develop a sound, thorough, strategic blueprint for fighting the foreclosure, and keep you informed every step of the way, so that you feel in control of your life and finances.
Federal and state laws protect homeowners like you from predatory lending, unfair mortgage terms, and overly high-rate loans. Laws like the Truth in Lending Act (TILA), Home Ownership and Equity Protection Act (HOEPA), Real Estate Settlement Procedures Act (RESPA), and state regulations in Kansas and Missouri can possibly be leveraged to help you. If your lender violated these laws and rules, you may be able in certain cases to take legal action against the lender.
A deep analysis of your loan might be required by a foreclosure defense lawyer to assess whether your rights under RESPA, TILA, or other relevant laws and statutes were violated.
Depending on your circumstances:
- You might be able to modify your mortgage. This means that you can readjust the terms of your mortgage in order to catch up with the past-due amount and re-amortize the new amount owed.
- You can also possibly leverage a short sale, which allows you to sell your property to your creditor for less than what’s owed. It’s an option if you don’t intend to remain in your home.
- Another possible solution is deed in lieu of foreclosure. In essence, you hand the deed to the property back to the lender and avoid foreclosure proceedings.
- You can also leverage allegations like violations of the Fair Debt Collection Practices Act (FDCPA), Real Estate Settlement Procedures Act (RESPA), or breach of contract or by filing for bankruptcy.
A Foreclosure Defense Lawyer Can Help You Make Sense of Your Best Options
There is no need to stress yourself by trying to work through this process on your own, without resources. Connect with a foreclosure defense lawyer with Fletcher, Rohrbaugh & Chahine, LLP, at (785) 322-4013 to regain a sense of control and stability in your life. You and your family may be in crisis, but you might be surprised by the depth and diversity of strategic options at your disposal.
Reach out to our attorneys for forclosure defense information in Douglas County at (785) 322-4013 or contact us online to schedule your free consultation. We look forward to discussing your situation with you and leveraging the Bankruptcy Code to ease your burden.
Fletcher, Rohrbaugh & Chahine, LLP
843 New Hampshire
Lawrence KS 66064
Telephone: (785) 322-4013
Fax: (913) 390-8101