About the foreclosure defense practice of Emerson Law Firm, LLC
Perhaps you're seeking to reinstate your mortgage, modify your loan, sell it in a short sale. Maybe you just want to walk away, but fear a deficiency judgment. Whatever your goals, we're here to offer advice and help you determine the right path. In many cases, it is possible to get a loan workout or modification; however, you should remember that loss mitigation is a long and drawn-out process. During this time, the lender can and often will continue the foreclosure. It is often necessary to retain a lawyer to represent your interests.
Surprisingly, things are not always as hopeless as they may seem. Our firm believes in you, and we believe in what we do. While we can't make promises or guarantees that we can save your home, rest assured that we will make every effort. In fact, there are some individuals who may not benefit from our services. If that's the case, we'll let you know.
We don't believe in a "one-size-fits-all" defense. Every situation is different. Some homeowners may find that they are in foreclosure because something went awry in the loan modification process. Perhaps they were dropped from the program without notice, despite making regular and timely payments. Or they have submitted their documents repeatedly without success. Others are told that they will not be considered for any loss mitigation options unless they stop making mortgage payments. While their applications are in progress, homeowners find themselves in foreclosure.
We understand that you are in a difficult situation and may need to set aside funds to achieve a workout from the lender. So we don't nickel-and-dime our clients. We strive to keep our fees reasonable, while still providing you with the best possible defense.
At an office consultation, we will conduct a thorough analysis of your situation to determine affirmative defenses and possible counterclaims. Please contact us for an evaluation of your case, and bring the following to your appointment:
1. All of the documents from your property purchase (including loan application documents, if available)
2. All records of marketing the property for sale (if any)
3. All correspondence to and from your lender, loan servicer, and attorneys
4. Application and all documents previously submitted to evaluation for a HAMP, in-house modification, or other loss mitigation options
5. Al documents related to the foreclosure suit
© 2010-2011 Emerson Law Firm, LLC. The information on this website is for general information purposes only. Nothing on this or any associated pages, links, documents, comments, answers, emails, or other communications should be taken as legal advice. This information on this website is not intended to create, and the viewing of information on it does not constitute, an attorney-client relationship. We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.
