In California, when a borrower falls behind, a lender cannot move forward with the foreclosure unless they first try to contact the borrower and suggest options that might help save the home. If your lender told you to apply for a loan modification and continued to move forward with the foreclosure, our lawyers can immediately stop foreclosure in Los Angeles and throughout California.
We are currently not taking mortgage fraud cases, but we can help homeowners stop foreclosure immediately and catch up on payments. Call us for FREE consultation.
How to Stop the Foreclosure Process
We recommend that people file for bankruptcy as it is the most effective way to immediately stop the banks from the sale of a property. If you are in danger of losing your property, talk to our lawyers today and get free legal advice to save your home. Call 818-254-8413 today and see if bankruptcy is an option for you.
Bankruptcy is the most effective way to stop foreclosure and get debt relief. If you are facing foreclosure, we advise struggling homeowners to take back control of their financial situation by getting protection from a court.
Bankruptcy provides a fresh start for homeowners that have missed payments for their homes or cars. After filing bankruptcy homeowners can make monthly payments in a payment plan to get caught up and save their homes. Call 818-254-8413 and talk to our experienced attorneys to see if bankruptcy makes sense for you.
Bankruptcy Relief as Foreclosure Defense
The bankruptcy process makes it possible to automatically stop a home from being sold by a bank and auto repossession from moving forward. Bankruptcy relief also wipes out credit card debt and stops all collections immediately.
For homeowners facing financial crises due to job loss or medical bills, bankruptcy makes it possible to reinstate your loan balance for homes and cars while keeping your personal belongings and savings. If you are in danger of losing your property, our foreclosure defense attorneys can stop your foreclosure sale immediately!
Have You Missed Mortgage Payments?
If you have missed 3 or more mortgage payments, your lender can immediately start formal foreclosure proceedings by sending a notice of default. If you have already received a notice of default, you must either make additional payments to catch up or you can try to work out a payment plan with your bank. If the bank is not willing to work with you, our lawyer can advise you about the next steps.
Did You Apply for a Loan Modification?
One common method of foreclosure prevention is to request a loan modification. There are other foreclosure alternatives such as a forbearance agreement or a short sale, but these alternatives are subject to the bank’s approval.
When a lender agrees to help a homeowner prevent foreclosure, they may approve a forbearance agreement and suspend foreclosure activity or accept a loan modification. In the event that a short sale occurs, the bank is more involved in valuation, and it can take more time for approvals.
When to Contact a Los Angeles Foreclosure Attorney
For any struggling homeowners facing foreclosure, it is always best to get legal advice from a foreclosure defense attorney regarding effective and affordable foreclosure prevention options.
Our lawyers help individuals save their homes and cars and savings while getting immediate debt relief. Call today for a free consultation, talking to a lawyer is the only way to know for sure if you can save your home.
If This Happened to You, Call 818-254-8413 for Foreclosure help
- You fell behind on mortgage payments and your lender is giving you misleading information about your options to save your home
- You have applied for a loan modification and your lender is sending you foreclosure notices at the same time
- Your lender lied to you about stopping foreclosure while you were being reviewed for a modification.
Many homeowners find themselves in the foreclosure process, whether they just received a Notice of Default from their lender or just received a Notice of Sale with an auction date scheduled in the next couple of weeks. These homeowners’ main concern is how to stop foreclosure in Los Angeles.
Our Stop Foreclosure Attorneys in Los Angeles can Help You:
- Save your home from foreclosure
- Stop the foreclosure process while you are in review for a modification
- Discuss other options for saving the home or entering into a payment plan to catch up
Each case is unique; if the facts of your case present a strong legal case and you have an active sale date, then you can file a lawsuit followed by an application for a temporary restraining order requesting the Judge to sign an order to stop foreclosure given the pending lawsuit.
There are many examples of strong cases, such as when the lender breaches a contract the borrower signed or the lender forecloses while the borrower is in an active loan modification review for a mortgage modification.
The Most Common Home Foreclosure Lender Violations
In California, foreclosures are usually non-judicial proceedings. That means borrowers receive a Notice of Default providing 90 days to cure the amount in default and reinstate their loan. If the loan is not brought current, then the trustee will send the borrower a Notice of Trustee Sale.
The notice of trustee sale will have a date and time of the foreclosure auction approximately 20 days from the date of the notice. As an alternative to avoid foreclosure, a homeowner may apply for a modification or short sale, or they may be able to negotiate a deed in lieu of foreclosure with their lender.
The majority of stop foreclosure cases our firm handles are primary residences. Rental properties or commercial properties may also go through a foreclosure, however, these properties have slightly fewer protective laws covering them since they are not primary residences.
Speak to Our Stop Foreclosure Lawyers in Los Angeles to Save Your Home
Our foreclosure attorneys in Los Angeles and real estate attorneys at Consumer Action Law Group will immediately stop your sale and save your home. Our foreclosure attorneys fight diligently against foreclosure proceedings. Most importantly, our foreclosure lawyers in Los Angeles are always available to answer any questions or address your concerns; we want our clients to be informed and we make client communication our number one priority.
Being able to pick up the phone and speak to our attorney right away sets our firm apart from other foreclosure defense firms. Our stop foreclosure attorneys in Los Angeles will take the time to understand your story and assert strong legal arguments to keep you in your home.
Our firm has been handling foreclosure defense cases for years, and our dedicated stop foreclosure lawyers in Los Angeles have the depth of experience to save your home and stop the foreclosure process. Our foreclosure attorney fees are very reasonable and affordable, making it possible for homeowners to pursue their cases against the banks.
Our Prior Successful Foreclosure Lawsuits
In Mushin v. Bank of America, our client made all the payments he was required to under the trial period plan he was offered by Bank of America. Bank of America never followed through with the permanent modification. Our client’s case was settled and our client received a monthly payment reduction from $2,980.65 to $1,409.55. In addition, our client received a reduction of their principal balance in the amount of $277,549.98.
In Brizuela v. Ocwen Loan Servicing, our clients were making mortgage payments when the loan was transferred to Ocwen. Ocwen began sending our clients loan statements claiming arrears. Our clients had their proof of payments. A lawsuit was filed. Our clients ultimately settled through an Ocwen loan modification. Prior to the litigation, our clients had a mortgage payment of $3,262.00. After the lawsuit, our client’s new mortgage payment amount was $2,069.53 and their principal balance was reduced from $530,000.00 to $335,000.00.
Both of these clients once found themselves being threatened with their homes in foreclosure. If these clients did not hire an experienced stop foreclosure attorney in Los Angeles, they would have been at risk of losing their homes. Because they filed the lawsuits, they were able to save their homes and resume making mortgage payments at a much lower monthly payment amount. Learn more about our foreclosure cases.
Foreclosure Attorney Fees
Consumer Action Law Group is committed to making foreclosure attorney fees affordable for homeowners who have endured legal violations by their mortgage lenders. The majority of our foreclosure defense cases are handled by the firm with a reasonable flat fee. Our flat fees are affordable so that a homeowner can move forward with a claim against their lender to save their home and remain in the home at the same time.
Our foreclosure attorney fees are affordable for most homeowners. In most matters, we charge a flat fee that can be paid over a period of time. For further details about our foreclosure attorney fees, please give us a call for a free case consultation.
Free Foreclosure Legal Advice & Free Consultations!
If you feel you have been harmed and incurred damage due to your lender’s actions, please give us a call to discuss the facts of your case. The consultation is absolutely free. We will give you our honest and professional advice on the pros and cons of pursuing a case against your lender. Please give us a call today and take advantage of a completely free case evaluation with one of our stop foreclosure lawyers in Los Angeles.
We provide legal help to stop foreclosure in Los Angeles CA and sue mortgage lenders for wrongful foreclosure. To speak to a foreclosure attorney call 818-254-8413.