5 Tips for Hiring a Foreclosure Attorney

February 22, 2021

Are you struggling to keep up with your mortgage payments? Do you worry that you may lose your Houston property through a foreclosure? Consulting a foreclosure lawyer can significantly improve your chances of saving your home.

The quarterly U.S. Foreclosure Market Report by ATTOM Data Solutions showed there were 143,105 properties with foreclosure filings in the third quarter of 2019. Even if the situation seems out of your control, it would be best to talk with an attorney to identify the options you have to stop or slow down the foreclosure process.

But how do you find the right foreclosure lawyer in Houston? Here are some tips to guide you through the hiring process.

1. Don’t Put It off Until Later

When dealing with the pressures of a foreclosure, it’s smart to speak to an attorney as soon as you think you are at risk of losing your home. The longer you wait, the worse the situation may get. A foreclosure attorney in Houston can help you understand your rights and ensures that the mortgage lender follows the due process. Depending on the specifics of your case, the lawyer can also help negotiate a loan modification or new repayment plans.

2. Get Organized

As you head out to scout for a foreclosure attorney in Houston, you may need to get your papers in order. You can create a chronology that details important events that led to your current situation. Let it be less than a page long. Additionally, carry vital documentation such as the loan agreement, bank statements, foreclosure notices, and any other correspondence between you and the bank. The lawyer can review the documents to verify that the lender did not engage in any unfair practices.

3. Research the Attorney and the Law Firm

Most people start their search by asking for recommendations from friends and family. You may also check online from the American Bar Association database. However, these attorneys aren’t necessarily vetted. You may need to conduct background checks on the foreclosure lawyer and their law firm. Do they have an active practice license? Have they been subject to disbarment or other disciplinary actions?

4. Find a Lawyer That Specializes in Foreclosure

Foreclosure law can be complex, varying from state to state. You want an attorney who thoroughly understands the steps and timescales that mortgage lenders must adhere to remain compliant with the law. Find out the attorney’s practice areas. You can find this information on their website. You may need to find an attorney that spends most of their days dealing with foreclosure and other financially-related cases.

5. Interview the Prospective Attorneys

To ensure that you find the right fit, book a consultation with the lawyer. The meeting allows you to learn how they work. Draft some questions that you can ask them during the consultation. For example:

What are your fees?
How can I contact you when I have any questions?
How many foreclosure cases have you handled in the past?
Are you licensed to practice?

Dealing with the risk of losing your home can be an overwhelming experience. You can learn more about controlling the situation by hiring a foreclosure or estate lawyer.

Are you facing foreclosure in Houston? Reach out to Hamilton Legal Services and have the benefit of an attorney by your side as you face your mortgage lender. content of your post goes here. To edit this text, click on it and delete this default text and start typing your own or paste your own from a different source.

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