The lender cannot simply take your home from you in a foreclosure when they believe that you are in default on your mortgage. Foreclosure is a judicial process that must go through the court system in Florida. Only a judge can issue a court order that allows the lender to foreclose on your own. Before...
Life can throw curveballs. Sometimes, things happen that make it hard to keep up with every bill, including your mortgage. If you’ve received a notice from your lender about foreclosure, you might feel scared and unsure of what to do. It’s a stressful situation, but you have options. At Consumer Law Attorneys, we want you...
If you have fallen behind on your mortgage payments, there is a process that the lender must go through that allows you some time and breathing room before they can formally move through the foreclosure process. Do not assume that the pre-foreclosure process is just time that must pass before the inevitable happens. You can...
For most people, being sued can be a frightening experience. The arrival of a thick envelope from a bank’s law firm, threatening to take your home, is enough to cause immense stress and fear. It’s a moment designed to make you feel powerless. We are here to tell you that you are not. You have...
Last year, the Department of Veterans Affairs (VA) began the Veterans Affairs Servicing Purchase (VASP) program to provide support for veterans who are struggling to keep up with their mortgage payments. Aiming to help them avoid foreclosure, VASP provided many benefits to veterans facing financial hardship. Unfortunately, the VA recently announced the swift end...
The prospect of rising foreclosures can indeed be alarming and bring uncertainty to homeowners and the economy in general. Though current numbers are nowhere near those of the previous housing crash, an increase in foreclosures can often be a sign of growing economic instability and concern. It’s important to stay informed and prepared for any...
When a homeowner stops making mortgage payments, the lender has the right to take back house – a process known as foreclosure. Importantly, how the foreclosure happens depends on the laws of the state where the property is located. In some states, lenders must go through the court system for approval to foreclose. This is...
Foreclosure is one of the most stressful legal challenges a homeowner can face. Whether the threat is coming from an aggressive bank or a determined collection company, the process can feel overwhelming. This is especially true if you’re unsure about how foreclosures work or what the laws might be in your state. While every foreclosure...
Going through a non-judicial foreclosure in California can be a complicated—and stressful—experience. The process happens quickly, often without direct court involvement, leaving homeowners unsure about what rights and protections they actually have. What Is a Non-Judicial Foreclosure? A non-judicial foreclosure is a process that allows a mortgage lender to foreclose on a property without having...
The mortgage landscape in the United States experienced a slight shift in the third quarter of 2024, as recently released data from the Mortgage Bankers Association’s (MBA) National Delinquency Survey show a subtle but notable change. According to the MBA’s findings, the delinquency rate for mortgage loans on one- to four-unit residential properties stood at...
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