How to Choose a Foreclosure Defense Attorney

5 Tips on How to Choose a Foreclosure Defense Attorney

These 5 tips on how to choose a foreclosure defense attorney can make a world of difference in dealing with foreclosure related issues. An experienced foreclosure defense attorney can help homeowners consider the best foreclosure defense option available for their situation, negotiate with mortgage lenders, and represent homeowners in any potential foreclosure litigation. Choosing the right foreclosure defense attorney is of paramount importance for having the best opportunity at saving a home from foreclosure.

Tip 1: How to Choose a Foreclosure Defense Attorney

Reach out to a HUD approved housing counselor for advice on mortgage delinquency and default resolution.

The U.S. Department of Housing and Urban Development (HUD) website has a list of counseling agencies that may be able to offer you free counseling services prior to hiring an attorney. You may discover you do not need the services of a foreclosure defense attorney at all. If it turns out you do need a foreclosure defense attorney, a HUD-certified housing counselor can help you organize all of your paperwork and necessary documents in order to streamline the process.

Tip 2: How to Choose a Foreclosure Defense Attorney

Beware of foreclosure scams, loan modification scams and fraudulent foreclosure companies.

It is an unfortunate truth that many foreclosure scams began to emerge with the goal of taking advantage of distressed homeowners after the burst of the housing bubble. Homeowners need to be very cautious when dealing with companies offering foreclosure defense related services. Beware of any company offering a guarantee to save your home, false foreclosure counseling, rent to own scams, false bankruptcy scams, and loan modification redirect scams.

Tip 3: How to Choose a Foreclosure Defense Attorney

When evaluating a foreclosure defense attorney or law firm, review all of their credentials.

Not all attorneys are able to offer the same quality of service when dealing with foreclosure related issues. It is important to evaluate a foreclosure defense attorney’s credentials and also the law firm they work for. It can be helpful to ask these questions:

  • Are they licensed to practice in your state?
  • Are they in good standing with your state’s bar association?
  • What areas of law do they practice the majority of their work in?
  • How many years of experience in foreclosure and real estate law do they have?
  • How many foreclosure cases have they worked on?
  • Do they know the local judges that preside over foreclosure cases?

Tip 4: How to Choose a Foreclosure Defense Attorney

Examine the foreclosure defense attorney’s fee schedule and learn about where your money will be spent.

Hiring a foreclosure defense attorney can be a costly endeavor. It is important to know how much money it will cost you and how the money you spend will be utilized. Beware of attorneys that charge very high retainer fees or a flat rate case fee.

Tip 5: How to Choose a Foreclosure Defense Attorney

Get a free consultation from the foreclosure defense attorney you plan to go with.

A large number of foreclosure defense attorneys offer free consultations to review the details of your case before assessing any fees. This can be a great time to ask the attorney questions about their qualifications, fee schedule, and the plan of action for your case. Beware of any attorneys that try to take your money before evaluating the preliminary details of your case.