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Foreclosure Defense in Jacksonville

Discover the Strategy for You with Albaugh Law Firm

Have you been given a pre-foreclosure letter from your lender or financial institute? Did you fall behind on your mortgage payments and need to find a way to catch up? If you answered yes to these questions and do not act quickly, your home could be foreclosed before you know it.

Contact our Jacksonville bankruptcy attorneys from Albaugh Law Firm to talk about your foreclosure defense options. With our 70+ years of combined legal experience, we can stand by your side each step of the case and continually help you find the right path for you, your family, and your finances. We offer free case evaluations to all of our prospective clients, so do not hesitate to reach out to us the moment a financial crisis arises.

How Foreclosure Could Be Prevented

When a bank or lender tells you that they intend to foreclose on your home, you have only 20 days to respond to their notice. On that 21st day, a default judgment will be filed against you and your home is automatically foreclosed. Why accept a loss when there are real ways you can improve your situation and get the help you need?

Top strategies for fighting foreclosure include:

  1. Short sales: You can place your home on the market priced at its current value, figuring in your mortgage. While a short sale does end with you losing your home, it is better than a foreclosure, which takes away both your home and your chance of selling it. Talk to your lawyer about short sales, for with the right argument, a bank will often approve it over foreclosure due to the fact that they can make more money off a short sale as well.
  2. Mortgage modification: A home on the market with no one in it is intrinsically less valuable than a home occupied by someone in debt. With the assistance of our foreclosure defense attorney, you may be able to convince your bank or lender to modify your mortgage payments and interest to keep you in your home, rather than having you default and lose it. In the end, everyone can benefit from a mortgage modification.
  3. Chapter 13 bankruptcy: If you file for Chapter 7 bankruptcy, you may very well lose your home in exchange for total debt discharge. Using a Chapter 13 filing reduces and reorganizes your debt into more affordable payments, increasing your chances of preventing foreclosure and eventually eliminate your debt.

Each Plan is Personally Tailored

One of our biggest rules at Albaugh Law Firm is “no cookie-cutter solutions” for our clients. Everyone who comes to our Jacksonville bankruptcy lawyers is seen as unique, for they are. Along that line of thinking, each foreclosure defense strategy must be unique as well and tailored exactly to the needs of the individual client. Doing so allows us to empower you and creates a hopeful chance of stopping foreclosure in its tracks.

Call us at 904.450.5313 for a free case analysis today.