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12 Jun, 2023 by Mike
Mr. Weishaar is a total professional and a financial genius. I can unhesitatingly recommend him and his partner, Mr. Gleichenhaus! The entire experience at this law firm, from start to finish, was outstanding in every way. If you need competent, caring attorneys for any of your legal needs, look no further! I am forever grateful that I found these gentlemen and will happily use them for any of my future legal requirements. Thank you for your kindness, patience, and expertise! Best wishes always!
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21 Jan, 2019 by Josie
I hired Mr. Weishaar for a routine Chapter 7 Bankruptcy 1 year ago. The bankruptcy was painless and after the matter was concluded Mr. Weishaar still returned my calls and even helped my 17 year old son with a criminal summons.
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10 Jan, 2018 by Jillian
I was working with an attorney who on several occasions failed to return my calls or e-mails. His lack of response forced me to find new counsel. I googled attorneys in my area and Michael Weishaar was one that appeared in my search. He responded to my online request almost immediately, gave me honest answers and scenarios of all possible outcomes. I was ready to hire him on the initial phone consultation. We scheduled an office consultation and basically got everything accomplished in 1 meeting. Very knowledgeable, very informative and very down to earth! He got the job done!! Would highly recommend Michael Weishaar!!
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18 Feb, 2016 by Chris
Our Credit Union uses Michael to handle our Bankruptcy and Foreclosure issues. Michael is extremely knowledgeable in both areas. He has always been very responsive and his work is always detailed. I give Michael my highest recommendation.
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03 Dec, 2015 by Elyse
knowledgeable, responsive and thorough. competitive fees. I would not hesitate to use him again.
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03 Dec, 2015 by Stan
My company has retained Michael and his firm to assist us with foreclosures, bankruptcy matters, collection actions and other litigation. In every instance he and his firm have been professional, responsive and cost-efficient in their representation of the company. I highly recommend Michael and his firm for representation in New York and New Jersey.
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30 Jan, 2020 by Christopher
Colleen was extremely professional, helpful and knowledgeable. She guided me through the legal process with ease. From the beginning Colleen made herself available for questions and concerns I had. Colleen’s persistence in dealing with the dealership ensured that the case was decided in my favor. I highly recommend this talented attorney and would certainly seek out her services in the future.
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05 Jan, 2020 by Jackii
I am so lucky to call Colleen Gray my business attorney. She is attentive and responsive, precise and kind. Understanding a commercial lease was not something I had any experience with, and she made sure I was on the same page the entire time. I felt a great deal of reassurance knowing that she would be honest and open with me about the nitty gritty details. She was also easy to get in touch with when I had any questions. A great person all around!
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12 Jan, 2017 by Liz
Our lawyer advised us that in the eyes of the law we had a weak case since we did not have written documents (it was a verbal agreement) We strongly expressed that although we realized the weakness in the case, we knew what the truth was and felt we wanted to go forward. Once the decision was made to proceed legally, she handled everything professionally and on a timely basis. Any and all of questions or concerns were addressed, even if it was something we didn't want to hear. We always knew where we stood, what was next and other options if things didn't go as we had hoped. To me, her belief in the case and making things right for my Dad meant the world to me. We were able to agree on a very nice settlement due to our lawyer knowing how to handle the case legally with the appropriate court motions and tactful conversations with the opposing lawyer. We avoided a long drawn out court battle because our attorney made it be known that we were not going away easily. It worked! Very pleased with the outcome of our case given the odds were stacked against us in the eyes of the law.
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27 Feb, 2019 by Michelle
We used Stavros Skenderis on two separate occasions as legal representation. He answered all of our question, explained the process and all paper work when we refinanced one home and purchased our 2nd home. He was always available and maintained communication between us the other parties.
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16 Feb, 2014 by Anonymous
Always responds, easy to understand, great negotiator, very knowledgeable in all fields. I used him for my business sale and daughter's accident case. I felt assured that I was in good hands, he explained every detail along the way and was very reasonable when it came to his fees.
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03 Feb, 2014 by Mike
Steven is very knowledgeable with lots of experience and very personable, and easy to work with. He has walked us through every aspect and has taken great care of us. It is a great comfort knowing that everything will be handled and I will get the best settlement.
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03 Nov, 2015 by William r.
Attorney Carl E. Person is one of the greatest Foreclosure Defense Attorney that your hard earned money can hire. From start to finish, Attorney Carl E. Person maintains a two-way line of communication with you 24 hours a day, seven days a week, if necessary. Not only is he affordable, but he is honest, fair and take on your case with care and compassion. He listens to every detail to craft the best Foreclosure Defense to protect your home, your finances and your peace of mind. With over 40 years of litigation experience under his belt, Attorney Carl E. Person knows how to out maneuver the dirty tricks use by your banks and their attorneys. When the banks have your backed into a corner, you must fight back with Attorney Carl E. Person at your side. You need him and his team on your side to protect all your rights. Do not think you can fight the banks alone; you will be making a big mistake. He is the banks worst nightmare because he fights for homeowners to win. He is a Foreclosure Defense Attorney heavyweight, who is worth every dime! I am blessed to have him fighting for me and I will continue to recommend his services to friends and family without reservation. Thank you, Attorney Carl E, Person for continuing to fight for homeowners like me!
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19 Feb, 2014 by Dena
if you are in danger of foreclosure and losing your home even if you don't think you have a defense Carl Person is one of the few attorneys that can help.He understands the dirty tricks and fraud the banks use that caused the housing crash in 2008.At the very least he can help renegotiate your mortgage so that you can afford to stay in your home .
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27 Apr, 2022 by Nicole
Mary Aufrecht supported us in buying our first home. She was professional, responsive, strategic and a pleasure to work with at every step. We would absolutely work with her again and can’t recommend her and the firm highly enough!
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12 Apr, 2022 by Anonymous
When I decided to start my own business, I came here. Mary Auferecht was extremely helpful and knowledgeable from start to finish and answered any questions I might have. Very professional. Will definitely come back
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13 Jul, 2022 by Jason
So Far the Only Lawyer to Get Me a Good outcome Simply by Following my Directions. I do not know why previous attorney's were unwilling to tell my side of the story or discuss my medical condition; my motives, and the plaintiffs motives. The judge agreed with me and I got a conditional discharge. Michael was Chosen by Suffolk Legal Aid so he was chosen randomly, as far as I am concerned. I wanted to represent myself but the Judge ordered a 730 Exam for trying to speak to him in between attorneys. Michael was able to get me certified competent as well. Suffolk Legal Aid was unable to do that. They were also Unwilling to speak to the Da or Judge on my Behalf. Michael was not Timid in that regard. However, I shouldn't have to threaten to leave a Bad Review to get an attorney to follow my instructions. Good Outcome Found a guy who Proved me Competent Only Attorney To Follow My Directions
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25 Feb, 2015 by Allison
Michael was hired for what appeared to be a clear cut dismissal of a lawsuit brought against me but unfortunately has turned into much more by the opposing side. I am extremely confident in Michael's legal background and ability and have found if there is something he has not come across before , he knows where to research it and has the resources to find out what is needed. I am grateful he has taken my case and recommend him highly!
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05 Jun, 2018 by Sheila
An absolutely fantastic attorney. Explains every detail every step of the way. Very knowledgeable and always responds to emails and telephone calls. Kept me calm and walked me through every scenario of what could happen with my bankruptcy. Highly recommend her!!
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05 Feb, 2012 by Anonymous
Honesty and integrity have become rare qualities in a lawyer. Elena surpasses anyone's expectations on these qualities. Helpful, compassionate in a time when you need someone to be there for YOU. Someone who you can trust. Working with this law firm produced an outcome far beyond my expectations. When working with lawyers in the past, there was always a "Catch" at the end. With Elena all fees were out front and she lived up to all she said she would do. Extremely smart and thorough she prepares you for the worst so you can proceed with ease. She was the FIRST encounter with a law firm that left me feeling good about the profession. She is a rare human in the world of robots, I would recommend her services to anyone, especially family that were in need of her services. Thank you for all you help!
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12 Aug, 2020 by Patricia
Anne has represented me on a couple of collection matters. Her fee is very reasonable and she is very knowledgeable and easy to work with. I recommend her highly...
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12 Aug, 2020 by Jerry
She handles all of my collection work. She is vey professional and won’t give up.
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10 Jul, 2017 by Ralphy p choudhari
I was scared to hire Rubin as my lawyer but now I don't regret it .He is simply the best , he is very intellligent and knowledgeable very experienced lawyer .He makes you feel comfortable and explains everything along with his team . My case is on going but by far he has worked hard to protect us. Cheers Rubin
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13 Jan, 2016 by Emile
Not only Mr. Rubin will walk you through the intricacies of the law, he may also introduce you to other people that will help you with the paralegal. Richard successfully closed my Real Estate case after two lawyer offices would not even schedule me an appointment because according to them, "there is nothing you can do about it".
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08 Dec, 2011 by Anonymous
Jackie served us very well. She expedited the eviction of our freeloading tenant and answered all of our (many) questions patiently and thoroughly. I would highly recommend her!
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20 Feb, 2009 by Anonymous
I came to Jackie Halpern's firm because it was well established in teh city of New York that it is the top real estate law firm for landlord/tenant issues. My experience with the firm certainly lived up to the impeccable reputation that it has developed. I had the honor and privilege of working with one of the most outstanding attorneys with whom I have been in contact with in my career and personal life, namely Jackie Halpern. She is an extraordinarily gifted and talented attorney, who I am glad represented me in two consecutive cases that I had the misfortune of having to deal with. Quite honestly, without the help of Jackie Halpern I would have been at a loss.
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30 Apr, 2018 by Michael
The follow through is incredible, this is a man who cares, and gets the job done!
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30 Apr, 2018 by Ryan
Jesse is one of the most thorough, caring and talented attorneys I have ever had the pleasure of working with. His ability to dissect a claim and analyze the unique legal strategy for each client allows him to effectively meet the needs of his clients. After having numerous discussions with Jesse, you can be sure that he truly cares about finding an effective and speedy solution to your claim. I would highly recommend for any issue that you have whether in a professional or personal setting.
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12 Jun, 2020 by Kathleen
I initially retained Mr. Larocca for the closing of my first home. He provided me with excellent representation and I have continued to utilize his services, throughout the years, for various real estate matters. I confidently recommend his practice.
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09 Jul, 2012 by Roldan
I have worked with Marco Larocca for several years now, throughout many transactions, covering real estate, commercial and residential lease negotiations and other types of business as well. Marco has always been willing to go out of his way to assist a client, never makes a fuss over the problems that invariably arise and generally is always part of the solution, never the problem. I recommend him without hesitation to anyone seeking an honest and caring attorney.
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10 Sep, 2014 by Anonymous
Fantastic lawyer and very honest and smart. He is a very rare find. Beyond highly recommend him. He actually cares about his clients. He saved me after being taken advantage if by some typically unscrupulous attorneys who were all about the billable hours and very little about defending my case. This man is a prince.
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25 Apr, 2011 by Sherry
This lawyer is a very good housing lawyer. He gave great advice and kept me informed with every move. I love him and will recommend him to everyone.
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20 Apr, 2019 by Anonymous
While on an overseas deployment, I had received a citation for a Dept of Buildings violation that I was not responsible for. Due to my deployment, I was unable to appear at hearings to defend myself. For a year, Samantha diligently reviewed my case and appeared at hearings on my behalf. Upon my return, I met with Samantha and we discussed how we would proceeed. Once we had a plan in place, we went to the hearings which resulted in a dismissal. Thank you Sam!
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19 Oct, 2018 by Anonymous
Samantha diligently worked on my behalf to achieve my dream of becoming a U.S. citizen. The process was a long and strenuous one. Frustration led me to a point of hopelessness, seriously considering giving up on this endeavor. For Samantha this was not an option for me. Instead, her positive attitude and continued encouragement pushed me to continue with my dream. On July 30, 2018 I was officially sworn in as a U.S. citizen. This date just so happened to also be the day of my son's birthday, which made this occasion that much sweeter.
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17 Apr, 2019 by Anonymous
Lindsey has been my immigration attorney for 2 years now she is highly professional, she had work with my case very carefully. My case turn to be more complicated than expect and she was able to manage and work will all the possibility there is in the immigration laws to help me in my case. We are still working together to finalized and i can be more happier I highly recommend her for any complicated immigration case.
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04 May, 2015 by Lindsay
Mrs. Rosenberg's attention to detail and willingness to fully advocate for her clients is exception. She always takes the time to ensure that her clients fully understand the legal issues. She is an excellent attorney and I highly recommend her for any immigration matter.
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28 Mar, 2017 by Tatyana
Attorney S. Kaplan is a great attorney! She is most honest, hardworking and knowledgeable. Before we came to her for help we had already been in foreclosure for three years and no any other attorney could help us. She negotiated a mortgage loan modification and saved our home. We highly recommend her to anybody!
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18 Dec, 2011 by Anonymous
I was in foreclosure for over 3 years and no one at the bank wanted to speak with me. I was hoping to reason with someone but no one wanted to "waste their time on me" I had no idea how to fight the bank on my own. Ms Kaplun helped me negotiate a fair settlement and I ended up keeping my home! She is a great attorney! Highly recommend!
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15 Jul, 2013 by Anthony
Mr. Rizzo was very well prepared and settled my case quickly with a favorable outcome. I highly recommend him
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10 Jun, 2013 by Anonymous
Attorney Rizzo is and has been handling my on-going foreclosure case including attending foreclosure conferences over the past 2 years. He has been responsive, follows-up immediately and alerts me to any additional information required as soon as he is made aware. He is still working with me on the foreclosure. I have been through several attorney's with over the years and Mr. Rizzo is truly trustworthy and patient as well. I would recommend him in the future.
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28 Nov, 2016 by Anonymous
Excellent service rendered!!
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28 Apr, 2016 by Anonymous
I first contacted Mishael Pine, after I began having serious problems with noises in my condo. During my consultation, she provided the level of confidence I was expecting. Excellent service from start to finish and very knowledgable and very kind. Always keep you updated with progress of the case. Highly recommend
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04 Mar, 2016 by Anonymous
Mr. Podhaskie is an exceptional attorney whose professionalism is second to none. He has the ability to litigate aggressively if needed, but also the pragmatism to prevent most matters from reaching that point.He is responsive and practical. He doesn't lawyer for the sake of lawyering, but does what is needed to resolve a dispute or complete a deal, and keeps his client protected. He often proposes clever and practical solutions to resolve otherwise difficult and complex issues.
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15 Aug, 2014 by Tony
Ariane helped in the sale of our house with a very difficult buyer and made the transition a pleasant and positive one. She was very responsive and always kept us in the loop on the status and activitiies of the sale.
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28 Apr, 2016 by Andres
Donald is a great counselor, who knows how to fight for you. his customer service is like no other. while I waited to be called by the judge, he actually sat with me and let me know we were in this together. unlike other lawyers who sit apart from their clients and only speak to them as needed. that right there will have me request his services again, as well as recommend him to anyone else.
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30 Jan, 2014 by David
Attentive, aggressive, kind, successful. Key player in saving my home from foreclosure through Home Affordable Modification Agreement...
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17 Aug, 2018 by Sheilah
Paula A Miller has helped my family through a difficult estate situation. Paula handled our case personally and was available to answer all questions. She absolutely went above and beyond and did everything and anything to help us through a emotionally difficult legal process. Paula and Mary were professional and very knowledgeable. I'll always be grateful to them for what they've done for me. I hope for anyone who has to go through any legal process , they're as fortunate as I was to have Paula Miller in their corner
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21 Feb, 2017 by John
I had the pleasure of speaking with Mr D'onofrio regarding my divorce and he provided me with valuable insights that made my legal separation from my ex-wife far more equitable. I wasn't able to retain his services only because we were married in another state. I recommend his services to anyone who needs a friend in the legal business. John
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04 May, 2023 by Tracy
David Lorber is an excellent attorney. He was attentive. He returned calls and correspondence promptly. He is extremely knowledgeable and showed compassion and understanding. He treated me with courtesy and respect. Highly recommend.
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17 Jan, 2023 by Kaitlyn
Peter Scribner makes time for his clients. He communicates in a manor both professional and companionate. Business with him is handle efficiently and with care.
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24 Feb, 2017 by Anonymous
I spoke with the attorney about defending a foreclosure action. He has a lot of experience and knowledge in this area. He answered all my questions and gave me information I didn't even know about. I realize how important it is to have an attorney if you are in foreclosure.
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13 Feb, 2015 by Rick
Deborah Schaal has represented our firm in many bankruptcy matters in Rochester NY. She is a bankruptcy specialist and expert. She is thorough, detailed, very knowledgeable and does an excellent job for our firm.
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12 Apr, 2018 by Anonymous
Jason was courteous, professional and trustworthy. I am very happy to have had his legal counsel during my petition for guardianship of my disabled son.
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FAQs
Questions? We have answers

What a Foreclosure Lawyer Can Do for You

A foreclosure lawyer specializes in helping homeowners navigate the legal complexities of foreclosure, working to protect their rights and potentially save their homes. Foreclosure lawyers assist homeowners facing foreclosure by negotiating with lenders, filing legal defenses, and representing them in court. They also help with loan modifications, short sales, and other alternatives to foreclosure. Whether you’re behind on mortgage payments or already in foreclosure proceedings, a lawyer can help you explore your legal options and work toward a solution.

If you’re at risk of losing your home, a foreclosure lawyer can provide guidance on how to stop or delay the foreclosure process and protect your financial future.

When Should I Hire a Foreclosure Lawyer?

You should consider hiring a foreclosure lawyer in several situations where you are facing financial difficulties with your mortgage. Common reasons to hire a lawyer include:

  • Facing foreclosure proceedings: If your lender has initiated foreclosure proceedings, a lawyer can help you file a legal defense and explore options for stopping or delaying the process.
  • Loan modification: If you want to modify the terms of your mortgage to make payments more manageable, a lawyer can help you negotiate with your lender and ensure that the modification complies with legal standards.
  • Challenging the foreclosure: If you believe your lender has violated foreclosure laws or the terms of your mortgage agreement, a lawyer can help you challenge the foreclosure in court.
  • Stopping a foreclosure sale: If your home is about to be sold at a foreclosure auction, a lawyer may be able to file for a temporary restraining order or injunction to halt the sale.
  • Short sale or deed in lieu of foreclosure: If you cannot afford to keep your home but want to avoid foreclosure, a lawyer can assist with arranging a short sale or a deed in lieu of foreclosure, where you voluntarily transfer ownership of the home to the lender to avoid foreclosure.
  • Filing for bankruptcy: If you’re unable to manage your mortgage debt and other financial obligations, a lawyer can advise whether filing for bankruptcy might stop foreclosure and help you restructure your debts.

Hiring a lawyer as soon as possible - especially when foreclosure is imminent - can provide you with more legal options to save your home or limit financial damages.

What Does a Foreclosure Lawyer Do?

A foreclosure lawyer provides a variety of legal services to homeowners facing foreclosure, working to protect their rights and help them avoid losing their homes. Their responsibilities often include:

  • Negotiating with lenders: A lawyer can negotiate with your lender to modify your mortgage or create a repayment plan, helping you avoid foreclosure by securing more favorable terms.
  • Filing a legal defense: If your lender is improperly foreclosing or has made errors in the foreclosure process, a lawyer can file a legal defense, challenging the foreclosure in court. Defenses may include violations of foreclosure laws, predatory lending practices, or failure to follow the terms of the mortgage.
  • Representing you in court: A lawyer can represent you in foreclosure proceedings, whether you are defending against the foreclosure, seeking more time to negotiate with the lender, or filing for bankruptcy.
  • Stopping or delaying foreclosure sales: If your home is scheduled for a foreclosure auction, a lawyer can help file a motion to stop or delay the sale, giving you time to explore other options.
  • Advising on bankruptcy: A foreclosure lawyer can assess whether filing for Chapter 7 or Chapter 13 bankruptcy would be beneficial, as bankruptcy can temporarily stop foreclosure and give you time to reorganize your finances.
  • Arranging short sales or deeds in lieu of foreclosure: A lawyer can help facilitate a short sale (selling the property for less than the mortgage balance) or a deed in lieu of foreclosure (transferring the property to the lender), which may allow you to avoid the foreclosure process.

How Are Foreclosure Lawyers Paid?

Foreclosure lawyers typically charge for their services based on the complexity of the case and the legal work involved. Common payment structures include:

  • Hourly rate: Many foreclosure lawyers charge by the hour, with rates typically ranging from $150 to $500 or more, depending on the lawyer’s experience and location.
  • Flat fee: For specific legal services, such as negotiating a loan modification or filing a bankruptcy petition, some lawyers offer a flat fee. Flat fees can range from $1,500 to $5,000, depending on the scope of the work.
  • Retainer: In more complex foreclosure cases, especially those involving ongoing negotiations with lenders or court appearances, a lawyer may require a retainer. This is an upfront payment that is billed against as the lawyer works on your case.
  • Contingency fee (rare): In some rare cases, particularly when suing a lender for wrongful foreclosure, a lawyer may work on a contingency fee basis. This means they only get paid if they win the case or settle on your behalf.

It’s important to discuss fees and payment arrangements with your lawyer upfront, especially if you are facing financial difficulties.

How Much Does a Foreclosure Lawyer Cost?

The cost of hiring a foreclosure lawyer depends on the complexity of the case, the lawyer’s experience, and the amount of time required to resolve the issue. General cost estimates include:

  • Hourly rates: Foreclosure lawyers typically charge between $150 and $500 per hour. For example, a simple case with 10 hours of legal work at $300 per hour would cost $3,000.
  • Flat fees: For straightforward services such as filing for bankruptcy or negotiating a loan modification, flat fees typically range from $1,500 to $5,000, depending on the complexity of the work.
  • Retainers: In more complex or ongoing foreclosure cases, a lawyer may require a retainer ranging from $2,500 to $10,000, depending on the length of the case and the lawyer’s experience.

In addition to legal fees, you may also need to cover additional costs, such as court filing fees or expenses related to property appraisals.

Top Questions to Ask a Foreclosure Lawyer

Before hiring a foreclosure lawyer, it’s important to ask key questions to ensure they have the necessary experience and approach to help you. Key questions to ask include:

  1. What experience do you have with foreclosure cases?
    Ensure the lawyer has experience handling foreclosure cases similar to yours and has successfully helped homeowners avoid foreclosure or negotiate better terms.
  2. How do you charge for your services?
    Clarify whether the lawyer charges by the hour, a flat fee, or requires a retainer, and ask for a detailed estimate of the total cost of their services.
  3. What are my options for stopping foreclosure?
    Ask the lawyer to explain the different legal strategies available for stopping or delaying foreclosure, such as loan modifications, filing a legal defense, or bankruptcy.
  4. What is the likelihood of success in my case?
    Ask the lawyer for an honest assessment of your case and the chances of successfully avoiding or delaying foreclosure.
  5. How long will the process take?
    Foreclosure cases can vary in duration, so ask the lawyer how long they expect the process to take and what factors might affect the timeline.
  6. Will I need to go to court?
    Ask whether your case is likely to settle out of court or if a trial may be necessary. If a trial is possible, ask what steps the lawyer will take to prepare.
  7. What steps can I take to protect my home?
    Ask the lawyer for advice on steps you can take to protect your home, such as making partial payments, negotiating with your lender, or exploring foreclosure alternatives.

How to Check the Credibility of a Foreclosure Lawyer

To ensure you are hiring a reputable foreclosure lawyer, take the following steps to verify their credentials and experience:

  • Check their bar status: Verify with your state bar association that the lawyer is licensed to practice law and has no disciplinary actions against them.
  • Look for foreclosure experience: Review the lawyer’s website or professional profile to ensure they specialize in foreclosure law and have successfully handled cases similar to yours.
  • Read client reviews and testimonials: Look for reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about their experience with the lawyer.
  • Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on foreclosure matters.
  • Check for certifications or memberships: Look for lawyers who are members of organizations like the National Association of Consumer Advocates (NACA) or who have specialized certifications in real estate or foreclosure law.

What Should I Prepare for My First Consultation?

To get the most out of your first consultation with a foreclosure lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:

  • Mortgage documents: Bring a copy of your mortgage agreement, payment history, and any correspondence you’ve received from your lender, including foreclosure notices or demand letters.
  • Financial information: Provide information about your income, expenses, and debts, as this will help the lawyer assess your financial situation and determine the best legal strategy for your case.
  • Previous communications with your lender: If you’ve already tried to negotiate with your lender, bring any emails, letters, or records of phone calls that document these communications.
  • Court documents (if applicable): If foreclosure proceedings have already begun, bring any court documents related to the case.
  • Questions about your legal options: Prepare a list of questions about the foreclosure process, your options for avoiding foreclosure, and how the lawyer plans to help you.

By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best possible legal advice for protecting your home from foreclosure.

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