It is frustrating to know the unpleasant reports of foreclosure at present. In many foreclosure proceedings, some judges seemed to forget their duty as judges;noticeably they become supporters of foreclosure mills, while foreclosure parties kept on ignoring and avoiding alternative dispute resolutions.
The efforts of the government to minimize foreclosure and promote alternative dispute resolutions remained weak and feckless. In most cases, homeowners whose properties have foreclosed were not able to exercise their legal obligation to protect their rights. In the actual setting, majority of Long Island foreclosure defense cases end up uncontested after the summary judgment.
Most homeowners conclude that they cannot afford to get a Long Island foreclosure defense lawyer considering the fact that they cannot even pay their mortgage dues. On the other hand, public attorneys cannotcraft an effective strategy to foreclosure as cases are preoccupied with finding deficiencies, defects and omissions. This implies that tactics applied in court has been violating the rules.
So, to whom should homeowners ask for help to prevent any possibility of losing their home? Thousands of homeowners across the country have lost in foreclosure cases, and there is a likelihood that their number will continue to increase in the coming years. However, you can still find Long Island foreclosure defense firms that can help you deal with any threats of losing your home.
Look for a foreclosure attorney
If you feel that your home is about to be foreclosed, you should look for a foreclosure lawyer immediately. You need professional, legal help in order to prevent any possibility of foreclosure, save your home and protect your rights as a homeowner. You have the legal obligation to file a petition in court requesting for a stay that will prevent anyinstantaneous foreclosure. Through your Long Island foreclosure defenselawyer you will be able to get the best defense possible to prevent your home to be foreclosed.
After all, you might havebeen entitled to several different recourses on your foreclosure case if you only have the right lawyer. There are some lending institutions or banks which fail to notify homeowners in a proper manner or fail to complete some paperwork. These are only few instances that could have transpired and ignored if you did not seek professional help from a foreclosure lawyer.
Apply for loan modification program
In case, you forget to pay your mortgage on time, it is important to get a loan modification program which is an option for those homeowners who fall behind their mortgage dues. To apply for any loan modification program available, you have to disclose your circumstance to your Long Island foreclosure defenselawyer who will help you get a copy of your mortgage agreement and payment history. If you are employed, you have to submit a proof as well as the amount of your earnings. If you are not, produce a proof as to when you became unemployed and what is your current source of income.
These documents are very important for your foreclosure defense, thus you have to obtain them the soonest. Any other documentation required by your lawyer has to be attended right away to stall any chance of receiving a notice of eviction. Eviction is difficult to deal with for most homeowners and families, therefore, it is important to take the best possible action before the court decides for your eviction.
Many lawyers have been using foreclosure defense techniques to help protect their clients from receiving a notice of foreclosure and eviction. Aside from these foreclosure techniques, you can also take advantage of special government programs that will help you exercise your legal obligations as a homeowner. Foreclosure issues are not easy to deal with but having a competent lawyer will somehow ease up the stress and anxiety you are experiencing.