While the foreclosure rate in Pennsylvania and across the U.S. has declined dramatically since the height of the 2008 Financial Crisis, far too many people still face the frightening prospect of being evicted from their homes. Sadly, many people who are facing foreclosure assume that they have no options for fighting an eviction.
However, there are times when you can fight against a foreclosure and even get it reversed. To do so, you will likely need the assistance of a foreclosure defense attorney to help keep you in your home. Let's take a look at how you should go about choosing such an attorney.
Beware of scams
First, don't fall victim to the many foreclosure rescue scams that are out there. These scams involve mortgage brokers offering to refinance those who are in foreclosure or threatened with foreclosure. In many cases, these scam artists will ask for an upfront fee. Such offers are not to be trusted. In the end, you could end up losing your title to the property while also facing a second foreclosure.
Foreclosure laws vary from state to state, which is why, if you're facing foreclosure, you should talk to an attorney who works in your local area and has experience with your state's regulations concerning foreclosure procedures. Local knowledge is especially important because challenging a foreclosure often depends on showing that the lender failed to abide by your state's foreclosure rules and regulations. For example, the lender may not have given you sufficient notice that it was moving forward with foreclosure proceedings. If you have an attorney who knows what your state's foreclosure laws are then that attorney will be much better equipped to defend you against foreclosure.
When to act
Another mistake that people make when looking for a foreclosure defense attorney is waiting until the last minute. The earlier you act, the better. Acting sooner will give you the chance to find an attorney who is best suited to your needs. If you're forced to choose an attorney only after the foreclosure has been finalized then you're going to be acting under even more stress and pressure. As a result, you may end up choosing an attorney that is not the right fit for you. Even more importantly, by contacting an attorney as soon as possible, you and your attorney will have more options for defending against a foreclosure.
Contact us today
Finally, the thing that matters more than anything else when choosing an attorney is experience. You need an attorney who has a proven track record of standing up for the rights of consumers and homeowners. At Weisberg Law, we have that experience. If you're facing the prospect of losing your home, get in touch with us right away to find out how we can help.