14.4.14

Tips For Choosing Foreclosure Defense Lawyer

By Anita Ortega


Foreclosure to your property can be one of the worst moments of your life. This is the process where bank or lender decides to reposes your home if you are unable to pay for it as agreed. As soon as you receive foreclosure notice, you should always take it as notification of lawsuit and prepare for defense. If the defense is strong enough; you will get favorable ruling. However, since most people hardly have know-how about foreclosure proceedings, they do not respond or fail to provide concrete response. This will lead to very harsh consequences including losing your home. The first step towards such a defense is to choose a competent foreclosure defense lawyer to be on your side for the entire case duration. Here is how to find such a solicitor.

Avoid making this very important decision based on advertisement alone. Yellow pages are always filled with ads all of which carry the same message. Remember that anyone can buy a slick ad even if they have never handled even a single foreclosure case. This is why your best approach would be to seek referrals. This way, you would be dealing with lawyers who have been tested and proven to be good. Some of the reliable sources of referrals include your friends, relatives, colleagues and other attorneys who are not foreclosure specialists.

There are very many lawyers on yellow pages and phone book. However, you need to realize that not all of them are foreclosure experts. Because of the diversity in the legal field, most attorneys prefer to specialize in specific areas of practice. This gives them better understanding in their areas. As such, you should always look for specialists if you want to stand a better chance.

Experience also matters a lot. One thing you have to keep in mind is that foreclosures are very complex, because of this; a novice may not be very successful in executing foreclosure case. You should look for a solicitor who has been in this practice for at least five years or more. With that much experience, you can be sure that the attorney is competent enough to represent you no matter how complex the case may be.

Whether you like it or not, legal fee is another factor you will have to consider. This will vary depending on the complexity of the task and the attorneys enthusiasm in providing unbundled services. As a general rule, it is always advisable to hire the solicitor on unbundled service whenever the amount of dispute justifies it. At the same time, you must also compare charges from at least three attorneys before deciding on which one to hire. This will help you save some money even if just a few dollars.

You must also be certain that the solicitor is licensed for your state before hiring him/her. Apart from this being a legal requirement, it is also in the best of your interest. You can easily report a licensed solicitor for any malpractice than one who does not have license number.

Communication with your attorney will also be crucial as the case progresses. As such, look for a solicitor you can get along with well. Avoid lawyers who claim to be always busy.

On many occasions, people have lost their homes due to wrong choice of attorney. You can avoid this nightmare by simply making the right choice. So take your time and ensure that you make the right choice.




About the Author: