Roseville California Foreclosure Lawyers
Roseville California Foreclosure Lawyer Ron Holland has helped over 12,000 clients and consumers with their debt problems since 1982. Call (916) 749-6456 today!
If you are facing foreclosure in California, the Roseville foreclosure lawyers at Holland Law may be able to help you. Our foreclosure attorneys can review your situation, help you understand your options, and work with you to help you achieve the best possible outcome. You may not need to lose your home. Reach out to the foreclosure lawyers in Roseville, California at Holland Law today.
How a Foreclosure Lawyer Can Help You
If you want to fight your foreclosure and keep your home, a foreclosure attorney in Roseville, California at Holland Law may be able to help you. If you are facing foreclosure, you may have several foreclosure defenses available to you. The foreclosure lawyers in Roseville, California at Holland Law can review your situation to determine if these options might be available to you. Some foreclosure defenses include:
- The bank or foreclosing parties cannot prove they hold your mortgage or loan. The parties foreclosing on your home must be able to show that they actually own the loan.
- Your bank or loan servicer made errors in processing payments or with your account and is erroneously foreclosing on your loan.
- Your bank or loan servicer has failed to follow the law when initiating and following through with the foreclosure process.
- You are protected under the Servicemembers Civil Relief Act (you are in the military)
- Your loan servicer is filing for foreclosure even though you are trying to work out alternative payment options or are thinking of filing for Chapter 13 bankruptcy
If you think there might be any way to fight your foreclosure, you could potentially save your home, and in the case of egregious bank or loan servicer violations even have the ability to collect damages. The prospect of losing your home can be incredibly stressful. If you are facing foreclosure, and want to understand your options, reach out to the foreclosure lawyers in Roseville, California at Holland Law.
Situations Where a Foreclosure Lawyer Might Not Be Able to Help
If you cannot afford to make your home payments, or have stopped making home payments and don’t expect that you’ll be able to make them again, a foreclosure attorney may not be able to help you. While the foreclosure is in process, you are legally entitled to remain in your home until the foreclosure is final. A foreclosure can take anywhere from several months to a few years depending on where you live, how well the housing market is doing. Your bank or lender won’t be able to begin the foreclosure process until your account is past due at least 120 days. In Florida, a foreclosure can take anywhere from 8 months to a little over a year, but this timeline can be longer in some situations.
If you plan to fight the foreclosure, the process might take even longer, but most lawyers won’t take on your foreclosure case unless you have a valid defense. If you have questions about whether you have the right to fight your foreclosure, reach out to the Roseville, California foreclosure lawyers at Holland Law today. Our foreclosure law firm works closely with those whose rights have been violated during the foreclosure process. We are here to help.
You might have many options before you lose your home to foreclosure. For example, if you are having trouble paying your mortgage, you may be able to apply for loss mitigation with your bank. Through this process, you may be able to refinance your mortgage under a lower interest rate or work out a solution with your lender that may be able to help prevent foreclosure. Some individuals facing foreclosure due to high debts or unexpected debts like medical bills file for Chapter 13 bankruptcy. With Chapter 13 bankruptcy you may be able to discharge debts that are making it difficult for you to make ends meet while still being able to keep your home and pay your mortgage. The foreclosure lawyers in Roseville, California at Holland Law work closely with individuals facing financial challenges who want to fight to keep their homes. Before you give up or fall into default, reach out to Holland Law today.
Sometimes foreclosure procedures being due to errors made by a loan servicer or when a loan servicer breaks the law regarding loan servicing. If you believe your loan servicer or bank has treated you unfairly, reach out to the Roseville, California foreclosure lawyers at Holland Law. Our foreclosure attorneys can review the process your bank used in your foreclosure and negotiate with your bank to set things right. If your bank seriously violated your rights or errors resulted in losses, you may even be able to seek damages from your loan servicer or bank.
Facing foreclosure can be one of the most stressful financial situations and person can face. Fortunately, you don’t need to face these challenges alone. The foreclosure attorneys in Roseville, California at Holland Law may be able to help you. We work closely with individuals and families facing foreclosure, helping them preserve their dreams, and in some cases, giving them a fresh start.