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If you're facing foreclosure on your home or property, hiring a foreclosure attorney can help you understand your options and potentially save your home.
Here are six key questions to ask before you hire a foreclosure attorney:
- What experience do you have with foreclosure cases? It's important to work with an attorney who has experience handling foreclosure cases and has a good track record of helping clients keep their homes.
- What is your strategy for handling my case? Ask the attorney to explain their approach to your specific case and what they recommend as the best course of action.
- How will you communicate with me throughout the process? You'll want to make sure the attorney is responsive and keeps you informed about your case's progress.
- What are your fees, and how do you charge? Ask the attorney about their fees and how they bill for their services, whether it's hourly, a flat fee, or contingency-based.
- What are my options for avoiding foreclosure? A good foreclosure attorney will provide you with an array of options to help you avoid foreclosure, such as loan modifications, short sales, or bankruptcy.
- What are the potential risks and outcomes of my case? The attorney should be upfront about the potential risks of your case and the possible outcomes, including the likelihood of keeping your home and the timeline for resolution.
Remember, hiring the right foreclosure attorney can make all the difference in keeping your home, so take your time to find the best fit for your specific situation.
Mr. James suggests that before you phone or visit an attorney in person, have your questions written down and refer to them.
6 Key Questions to Ask Before You Hire an Attorney to Get a Modification or Defend Your Home Against Banks
- Do you feel that the banks and their servicers commit mortgage security and/or foreclosure fraud? (Yes) Correct answer.
- Do you believe that if a bank shows up with a piece of paper that alleges it's the original Note-do you still believe there's a chance of winning court? (Yes)
- Are you willing to challenge the banks claim of ownership of the note, mortgage, chain of title, etc.? (Yes)
- Are you willing to cross exam a witnesses? (Yes)
- Will you challenge and call a robo-signer as a witness? (Yes)
- Are you willing to be that attorney at the party that went up against the big bankers or challenged a court that seems to lean in favor of big banks? (Yes)
If you get so much as one "no" to the above questions then be aware, your situation may be at cross-purposes with this particular attorney.
To the few that are actually competent and not bluffing their way into your back pocket, these basic but telling questions are not difficult to answer.
Other than the details of your situation, each question does not require you as homeowner to expound any further. Either they know it or they don't. Either they believe banks can do no wrong or believe in justice for homeowners.