The subprime mortgage crisis has affected millions of homeowners who lost their homes. If you are behind on your mortgage and facing default or foreclosure, you should know that it is not your fault. Foreclosure is oftentimes hard to avoid in today's society, especially considering the widespread predatory lending practices employed by lenders throughout the United States.
At the Florida law office of Laura D. Siemers, PA, our practice is 100 percent focused on the defense of your rights. At our Viera, Florida, law firm, attorney Laura Siemers uses more than 10 years of experience as a defense lawyer to help clients effectively fight foreclosure.
Ms. Siemers is also a licensed real estate agent who can advise you about the possibility of a short sale or mortgage loan modification. These are options that many borrowers fail to consider.
Foreclosure is not a hopeless situation. Even if you cannot pay, you still may have more options than your realize. Don't give up before you talk to a lawyer. At the law offices of Laura Siemers, we are often able to suggest courses of action our clients have not yet thought of.
For example, most homeowners facing foreclosure are subject to legal actions brought by entities other than their original lenders. Certain legal defenses may be effective against these entities. As an experienced defense lawyer, attorney Laura Siemers can tell you which defenses may be raised in your situation.
Negotiating With Your Mortgage Company or Bank
If you are facing foreclosure, it is best not to negotiate with the mortgage company or bank on your own. Instead, retain an experienced attorney who can negotiate for you. It is critical to do this as soon as possible because you have only a limited time to respond after you have been served with a foreclosure notice.
During the foreclosure process, mediation often presents an opportunity for your lawyer to effectively negotiate with your lender on your behalf. Florida law subjects foreclosure cases to a mandatory mediation requirement. Before your case is resolved in court, you must go through mediation with the lender involved.
Affording a Foreclosure Defense Attorney
Even if you cannot pay your mortgage, a foreclosure defense attorney can still take effective action for you. We understand that many people who are already facing foreclosure feel they do not have the money necessary to pay an attorney. Don't let this stop you. We may be able to work out a fee arrangement so that you can get the legal help you need.
Contact a Melbourne Foreclosure Defense Lawyer
Initial consultations are free and confidential. For your convenience, we offer evening and weekend appointments. When you visit our Viera, Florida, law office, you can expect to have your foreclosure questions answered. Bring in all available mortgage-related documents and foreclosure papers for the most accurate answers.
To get started, call us at 321-253-6100 or toll free at 888-411-0762. You may also complete our online contact form
Laura D. Siemers, PA
7331 Office Park Place
Suite 300
Viera, FL 32940
Toll Free: 888-411-0762 | Telephone: 321-253-6100 | Fax: 321-254-0800
notguilty@laurasiemers.com
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