Foreclosure Defense Attorney FAQ

Frequently Asked Questions

Can I really stop foreclosure?

Often, yes. Options include loan modification, bankruptcy, refinancing, short sale, or litigation. Acting early increases your options.

How much does a foreclosure defense attorney cost?

Typically $2,500-$10,000, with payment plans available. Bankruptcy fees range from $3,500-$6,500.

Can bankruptcy stop foreclosure?

Yes, immediately. Filing bankruptcy creates an automatic stay that halts foreclosure proceedings.

What's the difference between Chapter 7 and Chapter 13 for foreclosure?

• Chapter 7: Temporary halt, but doesn't help catch up payments
• Chapter 13: Allows you to catch up on missed payments over 3-5 years

Will I lose my home if I file bankruptcy?

Not necessarily. Chapter 13 specifically helps homeowners catch up on missed payments and keep their homes.

What is loan modification?

A change to your mortgage terms (rate, term, or principal) that makes payments affordable. Modifications can permanently solve foreclosure.

What if the modification was denied?

You may have other options:

• Reapply with different documentation
• Litigate the denial
• File bankruptcy
• Pursue alternatives

What is a short sale?

Selling your home for less than you owe, with lender approval. Avoids foreclosure on your credit but doesn't save the home.

What about deed in lieu?

Voluntarily transferring the property to the lender to avoid foreclosure. Better than foreclosure on credit but you still lose the home.

Is there a time limit?

Yes. State foreclosure laws have strict timelines. The earlier you act, the more options you have.

What if I'm being scammed?

Common scams:

• "Foreclosure rescue" services
• Title transfers
• "Reverse mortgages"
• Up-front fees for "guaranteed" help

Only work with licensed attorneys.

How do I find a good foreclosure defense attorney?

• Foreclosure defense specialization
• Bankruptcy experience
• Local court knowledge
• Free consultations
• Reasonable fees
• Good track record