foreclosure defense attorney
stop foreclosure dead in its tracks
resonable fixed rate retainer
Have You Been Served?
A Response Is Required
In most cases you have twenty days to respond to the service of a complaint. Do not lose valuable time, call for a free case evaluation.
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Foreclosure Defense
Each client seeks relief for different reasons. Some clients can no longer handle the payments, while others feel they were a victim of fraud.
Loan Modification
Have circumstances changed? If you find your monthly payment impossible to make, we may be able to have the bank modify your monthly payment. Please inquire to see if we can help.
Short Sales
A short sale is only performed when you have no equity in your property. We will work with the bank to sell the property for todays value. Work with our in-house Real Estate Brokerage.
Debt Settlement
Don't qualify for bankruptcy? There are other resolutions to consider. Inquire about our debt resolution service to see if it is a good fit with your current circumstance.
Bankruptcy Services
As a full-service bankruptcy law firm, we offer chapter's 7, 11 and 13. Chapter 7 allows for the complete discharge of debt if qualified. Chapter 13 is a reorganization of debt
Collection Calls?
If you are receiving harassing calls our law firm can put a stop to this instantly. Did you know that your creditor is subject to the FDCPA? It's ok, we know what to do.
About Us
Attorney Advocates of America Works with clients to resolve debt issues. We always say; for each problem there is normally a solution. We Protect Our Client’s Rights.
Attorney Advocates of America’s proven, results-driven program will most likely have a solution tailored to your needs.
We help clients relive themselves of debt. We are a licensed debt relief law firm. We also specialize in contract law, the FDCPA statute and other regulatory statutes.
Facts & Need to Know
Consult with a licensed law firm to better understand your rights.
I Have Been Served With A Complaint, What Do I Do?
Once served with a foreclosure complaint the clock starts ticking. In most jurisdictions you have 20 days to file a response. Writing a letter to the judge is not going to help. In each case civil procedure needs to be followed. As you may have just cause for having stopped making payments to your lender, the case needs to be presented properly to the court.
Time and time again we see clients who attempt to go it alone, to only find themselves easily defeated by opposing counsel. Other clients stick their head and the sand and hope for the best. There are various resolutions which may be achieved. Inquire today to better understand your options.
The Bank Told Me Not To Worry, They Will Help
Most often the bank servicing your loan is not the investor making the decisions behind the scenes. As an example, you may be financed your home through bank of America, they send you statements each month, take your calls concerning your loan, etc., There is a high likelihood that Bank of America sold your loan to a third party and continues servicing the loan for a small fee.
When the bank tells you they’re here to help, be very cautious. Your best to hire an attorney to represent you in any matter which requires communication with your lender during default. Please call 800-620-6974 for a free consultation.
How Long Can I Stay In My House After I Have Been Served?
Each jurisdiction is different. Is your property held in a deed of trust? In real estate, a deed of trust or trust deed is a legal instrument which is used to create a security interest in real property wherein legal title in real property is transferred to a trustee, which holds it as security for a loan between a borrower and lender.
States which work under a deed of trust tend to accelerate the foreclosure process.
State operating under a mortgage protocol tend to allow the burrower more rights when in default. Depending on when you hire counsel you may be able to stay in your property for an extended period while attempting to develop a workout plan with your lender.
Once you have been served you should immediately retain the services of an attorney. You have certain rights which must be reserved.
Frequently Asked Questions
Our No-Risk, Iron-Clad Satisfaction Guarantee
Attorney Advocates of America offers its clients a Guarantee of Satisfaction with our legal services.
We make this promise because of our confidence in our lawyers’ skills, experience, judgment and their commitment to delivering high quality, client focused service.