Did you receive a Notice of Default or Notice of Trustee Sale? Call us immediately! We can save your home! We stop foreclosure in 5 minutes flat!
Call us if you want to…
- Stop your foreclosure sale date
- Save your home from foreclosure
- Lower your mortgage payment
- Lower your principal balance
- Get rid of your second mortgage
- Eliminate your past due balance to your lender
- Keep your cars, savings, and home
Our foreclosure attorneys have years of experience in handling illegal foreclosure and mortgage fraud case. We stop foreclosure sales and we move very quickly to file and seek the protection of the court. In California, the foreclosure laws are designed to protect borrowers from losing their homes in foreclosure. You should call our foreclosure attorneys immediately if:
- You have applied for a modification and your lender is moving forward with a foreclosure
- You have been denied for a modification and your lender is moving forward with a foreclosure
- Your lender “lost” or “never received” your application for a modification and your lender is moving forward with a foreclosure
- Your lender has not assigned a personal customer relations manager to your case to help you with your modification
- You can afford to pay your mortgage, but you fell behind and now you want to catch up
We STOP Foreclosure Sale Dates
When you call our foreclosure lawyers, we stop Foreclosure sales by either filing a lawsuit or by filing bankruptcy. Our foreclosure defense attorneys seek protection from the court to save your home. Our foreclosure lawyer in California will evaluate your case to see if it is better to file a wrongful foreclosure lawsuit and sue your lender for illegal foreclosure, or if it makes more sense to file a bankruptcy and propose a plan to catch up the past due payments. Our real estate foreclosure attorney will give you choices and free legal advice to make the decision whether it is better to sue your lender due to illegal mortgage lending practices or if bankruptcy makes more sense than litigation.
STOP Foreclosure Options
There are different strategies to stop foreclosure sales. Our real estate attorneys will takes the time to evaluate your case and determine the best foreclosure options to stop your foreclosure home immediately. Any of these options can stop foreclosure immediately.
- Bankruptcy – Filing a Chapter 7 or Chapter 13 will stop foreclosure immediately
- Litigation – Filing a lawsuit will stop a foreclosure once a judge signs the order
- Modification – Applying for a modification in California gives borrowers time to delay foreclosure until the lender has made a decision to approve or deny the modification
- Short sale – Similar to a modification, applying for a short sale in California gives borrowers time to delay foreclosure until the lender has made a decision to approve or deny the short sale application
- Deed in lieu of foreclosure – Applying for a deed in lieu in California gives borrowers time to delay foreclosure until the lender has made a decision to approve or deny the request for a deed in lieu
Call Us for the Best Foreclosure Defense
If you are fighting with your lender to live in your home and stop the foreclosure process, you come to the right place, our foreclosure lawyers can save your home from foreclosure and stop the foreclosure process immediately. Our lawyers will takes the time to research your issue and give you an in depth knowledge on how to stop foreclosure.
Frequently Asked Questions
Foreclosure is a legal process that allows a lender to sell a property in order to repay a loan after a default. In simple terms, a foreclosure allows the bank to sell the home to collect the money that they loaned.
The lender must stop the foreclosure process if the past-due balance is paid or if there is a court order or a written agreement signed by the lender. A court order can either be the result of a lawsuit or a bankruptcy filing. A lawsuit requires a hearing and a written order from the court. A bankruptcy filing automatically stops a foreclosure from moving forward [as long as there have not been prior bankruptcy filings within the year]. Common agreements that stop a foreclosure: short sale, deed in lieu of foreclosure, loan modification (for those who can demonstrate hardship).
To stop a California foreclosure it is best to file a bankruptcy or to obtain a court order stopping the sale, otherwise known as a temporary restraining order[TRO].
To stop a California foreclosure without filing a bankruptcy you will need to obtain a court order stopping the sale, otherwise known as a temporary restraining order[TRO].
As a rule, the lender cannot foreclose if a borrower continues to make monthly mortgage payments. If a borrower defaults and misses more than 3 monthly mortgage payments, the lender is legally entitled to start the foreclosure process. Once the foreclosure process starts, the borrower can stop the foreclosure by either catching up and paying the past due balance, or taking other action.
A deed in lieu is an agreement between the lender and the borrower to avoid the foreclosure process. The borrower agrees to give title to the lender and the lender agrees to allow the borrower to walk away from the property without any additional obligation. The agreement determines whether the borrower will owe any additional amount to the lender [if the property is upside down or if there is any past due amount that the lender will not forgive].
To obtain a deed in lieu of foreclosure, it’s best to contact a specialized attorney that practices Real Estate law or a foreclosure attorney.
YES! It is illegal to foreclosure on a home during a loan modification in California. Under the California Homeowner Bill of Rights, a lender is required to stop the foreclosure process when the borrower is under review for a loan modification. This violation is called “dual tracking”. It is best to talk to an experienced attorney if your lender is moving forward with a foreclosure or sending you notices threatening to move forward with foreclosure while you are in the process of applying for a loan modification.