When to Hire a Mortgage Foreclosure Lawyer

Just last year, my family and I were facing foreclosure, and the thought of losing our beautiful home where we’d hoped to raise our kids just saddened us beyond words. We cried and raged about the injustice of it, but in the end, we knew it was our fault. We hadn’t notified our bank when my husband lost his job, and now we need a mortgage foreclosure attorney to help us keep our home. Now, I have no idea how to go about choosing the right foreclosure lawyer for our situation, so when a friend recommended Credit-yogi.com, I went right to it, and I’m so glad I did.

There are several ways to choose the best foreclosure of mortgage attorney, as I learned. However, there are a couple of other things to do before I hiring a lawyer, such as contacting HUD, the Department of Housing and Urban Development, according to Credit-yogi.com. I couldn’t imagine what HUD could do for us, but I found out. Turns out that HUD has housing counselors who can help folks in my family’s position to get through the “red tape” and look into mortgage modification if we so chose. Modifying a mortgage just means making changes to it so the payment is lower. Even if I go ahead and get a lawyer, the housing counselor can help me organize all the information he’ll need. I found that comforting.

The fiscal professionals at Credit-yogi.com strongly suggested that I make a chronology of what happened to put me in this position, and that I get someone who understands mortgage foreclosure with law experience. I retained the help of a HUD counselor to work with me so I could pinpoint exactly what happened and offer proof of the financial hardship we are now living with. I had to provide the letters I received after I applied – and was turned down – for mortgage modification, along with any other letters I got when we fell behind on our payments. I also pulled together a log of all the conversations I had with our bank so the lawyer (assuming I got one) could look them over.

Once all of my information was organized, I still wanted to hire a mortgage foreclosure attorney. The question was how to go about it. Again, Credit-yogi.com came through for me. I discovered that word of mouth is an excellent way to hear about good (and bad) attorneys, as is utilizing a lawyer referral service. Online attorneys are a good source of possibilities, and so is getting other attorneys’ opinions of the ones I was looking at. I found a great foreclosure defense lawyer and won my case.

Credit-yogi.com was a godsend when I really needed one. It helped me keep my home, and if you’re facing foreclosure, it can help you, too. Just call 866-964-9644 for a free consultation.

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