Prevent Foreclosure - Foreclosure Defense

For a homeowner facing foreclosure there are a number of ways to prevent foreclosure. Many banks are willing to renegotiate the terms of a mortgage that is in foreclosure. This renegotiation of terms (a.k.a. loan modification or mortgage modification) can lead to the homeowner being able to save their home and lower their monthly payments. Another option is to seek a short sale where the property is sold for less than the principle amount of the mortgage but the bank agrees to release the borrower from any further obligation. The key to these strategies is to finalize the negotiations before the property has been sold at public auction. In most cases, the bank does not stop pursuing its court case until negotiations are complete. The Law Offices of C. Edward Porch, P.A. represents homeowners in both the negotiation of an alternative to foreclosure and seek additional time to reach an agreement with the bank.

Due to the recent real estate crash there are an increasing number of companies who are marketing themselves to Homeowners in foreclosure. These companies claim to help Homeowners work with banks to lower payments but they cannot take the place of an attorney. By law, only a licensed attorney can council you on the law and represent you in court. These companies can only provide a partial solution to foreclosure. They may be able to help in the negotiation of an alternative to foreclosure but they cannot represent the homeowner in court in order to buy additional time to come to an agreement with the bank. Only an attorney can offer both services.

Many homeowners go through the foreclosure process without consulting an attorney. They allow their preconceived notions about the expense of hiring an attorney or the feeling that they can do nothing about the foreclosure keep them from discussing their particular situation with an attorney. The Law Offices of C. Edward Porch, P.A. provides free consultations. Even if you feel that you cannot afford an attorney you can still come to our office and discuss your situation. If you decide to retain our services, we offer payment options which take into account the fact that many homeowners facing foreclosure do not have the ability to pay a large upfront retainer fee to an attorney.

Our office serves the entire state of Florida (Miami, Fort Lauderdale, Broward, Palm Beach, Boca Raton, Naples, Tampa, Orlando, etc.).