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Chad Dawson Elrod, experienced Consumer Protection, Credit Repair attorney in Houston, TX with 25 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
32,38
star star star star star
4.2/5
Avvo
4.6
9 Reviews
Google Maps
4.0
16 Reviews
star star star star star
13 Aug, 2024 by Michelle tillery
Zandra is very equipped to help you navigate your situation, consider your options, and push you to take the appropriate action. I was very happy with her guidance and would highly recommend her.
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star star star star star
04 Mar, 2024 by Edward.casanova0520
Mr. Elrod helped a friend of mine and we were all impressed by his professionalism and extensive knowledge of the law. He succeeded with a favorable out come for his client and did it all while being friendly and respectful.
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12 Jan, 2024 by Mark
The Lakeside Improvement Association (the HOA) had filed suit (with a $250K lean on the property) against my 93 year old widowed mother for failure to pay her dues for 3 years and for failing to repair and paint the awning of the front porch! My mother wanted me to try to work out a payment plan with the attorneys for the HOA but they wouldn't respond to my emails! The case got extended a couple of times and then when case actually went to trial, neither the court nor the HOA's attorneys notified my 93 year old mother of the court date until after the trial's date! Therefore judgement was awarded to the HOA for approximately $4K (with a lean on the property for $250K) which my mother could not pay! So we get notice that the Pct. 5 Constables office had seized my 93 year old mother's house (that's been paid off for years) and was going to sale her house under court order! I kept getting the run around from different attorneys, saying the case was too late or too complicated until I talked to Chad! He said he could handle it and he even came out to the house and met my mother! I found out that this type of case is what Mr. Elroy specializes in! I highly recommend him for any type of debt settlement but especially dealing with HOAs!
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Dawn Deshea Rogers, experienced Business, Family Law attorney in Houston, TX with 1 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
32,03
star star star star star
4.0/5
Avvo
4.0
1 Reviews
star star star star star
28 Aug, 2013 by Desiree
Dawn was great. I got everything I wanted and more in my child support case. She also has payment plans which is awesome for single mothers. I recommend her to everyone and will use her again if necessary.
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Gary Anthony Francis, experienced Business, Foreclosure attorney in Dallas, TX with 73 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
31,99
star star star star star
4.8/5
Google Maps
4.8
73 Reviews
star star star star star
20 Dec, 2024 by Y hamilton
My experience with everyone at the law firm was absolutely awesome. They were professional in their approach of handling my case. I recommend them for any of your personal injury needs.
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star star star star star
12 Dec, 2024 by Mrmundra washington
I'm very satisfied with my results the Heald law firm had my best interest in mind and I would definitely recommend them to anyone else
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star star star star star
06 Dec, 2024 by Monique thomas
Ive had a really great experience with Heald law Firm. Rashida and Matt were very nice and met all my needs. Thanks Heald law firm!
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Mary Mcdaniel O'Black, experienced Business, Foreclosure attorney in Houston, TX with 2 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
31,50
star star star star star
4.5/5
Google Maps
4.5
2 Reviews
star star star star star
29 Oct, 2023 by Will h
Google Maps
star star star star star
11 Oct, 2023 by Katherin kadlec
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Thomas Edwin Bair, experienced Bankruptcy, Foreclosure attorney in Houston, TX with 354 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
30,94
star star star star star
4.6/5
Google Maps
4.6
354 Reviews
star star star star star
11 Feb, 2025 by Vydia woods
I just signed the contract to use CCK's services last week and for 3 days, I could not get a lawyer or even a paralegal to speak to me. Only the receptionist who says the same thing every day, "they're busy, they will call you back today or tomorrow." It wasn't until I told the receptionist I no longer want their representation did someone get on the phone with me. Of course, it was too late. I cannot be represented by a law firm who I can't even get on the phone with for 3 consecutive days of trying. It's very unfortunate because they have multiple good reviews from previous clients, but I guess I wasn't important enough.
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11 Feb, 2025 by Joshua dawson
I made the mistake of hiring this firm to represent me in attempting to get my va disability. The entire time they were representing me I never once spoke to an actual lawyer and they would only have paralegals call me that knew even less than I did about any of the regulations. My disability ended up going through off of stuff that I filed before I even hired this firm but since I hired them they still got 30k of my money. Then they allowed the va to illegally lower two of my static disabilities in an attempt to lower me below 100%. The best I got from this firm was, "well at least they weren't able to lower you below 100%". Then they had a brand new paralegal call me to lie to me about temporary total disability. I had to be off work for just over 3 months due to reconstructive neck surgery and it was all through the va. The va refused to pay me temporary total disability and this firm actually sided with the va and had a paralegal lie to me about the regulations, I actually had them pulled up on my computer while I was on the phone with her and read them off to her because she admitted she didn't actually know them. Even after I pointed that out they still refused to do anything about it. If you have any documented proof at all about anything you're claiming and you can argue your point better than an elementary school kid then save your money and represent yourself because this firm absolutely does not care about you unless you're an easy mark for them and they will lie directly to you if they feel like they're not going to get much money out of you for whatever you're talking about. Inaccurate facts? I don't think you guys would actually know what a fact actually was even if it was read off to you. In fact, I know you wouldn't because I literally read off the regulations for temporary total disability when you guys had a paralegal call me to lie to me about it. The very least you could do is own up to your short comings and admit when you're 100% in the wrong. I can even spell it out for you too so that way you can't deny it. I was denied temporary total disability after having reconstructive neck surgery through the VA. The regulation governing approval for temporary total disability clearly states that it would have to either be something you were currently rated for or the surgery would have to have been performed through the VA. The surgery was performed through the VA but they still denied me for it and your office sided with the VA and still refused to do anything about it even after I read off the regulations to the ignorant paralegal you had call me to lie to me about it. Then there's still the matter that your office allowed the VA to illegally lower two of my static disabilities with a completely unrelated exam report and even in the exam report it said I had shown no improvement. You could've just acknowledged that your firm screwed up but now everybody gets to see that you're attempting to lie about that too, not a good look when you claim you do all you can to help veterans.
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27 Jan, 2025 by Bryan williams
Just was accepted by CCK. I see mainly good reviews and I’m hoping they’re true so just for good luck I’m here supporting my attorneys. So far my experience has been what it needed to be. The intake interview was lengthy and thorough. I made sure to mention everything that I could think of that will prove my case. Idk care if they take a year because i the damage my service has done to me has completely destroyed my life and I know I wouldn’t be able to get what I deserve without a solid team. They literally run a deal where if they win, they get a check and we get a check a month forever and if they don’t win they don’t charge you. Geez I’d give them 40% if I knew they could definitely prove my 100%
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Marcus Blain Leinart, experienced Bankruptcy, Foreclosure attorney in Dallas, TX with 6 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
29,14
star star star star star
4.3/5
Avvo
4.3
6 Reviews
star star star star star
13 Apr, 2024 by Anonymous
Please look at the 1 star google reviews and his responses to his clients. He first list their personal email address then he continues to publicly list the private facts of their cases in an attempt to intimidate his clients to remove their honest review. The truth of the matter is that this firm should be shut down. You have to explain the facts of your case over and over again to every new paralegal you speak to and you will get different information from each if they even respond. The only way you get a chance to speak with the attorney that you paid to retain is if you mention filing a complaint with the Texas Bar. He has called me demanding for asking questions as him and his firm drops the ball multiple times.
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31 Oct, 2018 by Harrison & kristin
I had so much credit card debt from college and starting work that I couldn't qualify for a home loan or even a car loan. I went to them for credit repair but they explained the difference between credit repair and bankruptcy (which totally wiped my slate clean). I was in and out of the process within maybe 4 months total?! Just amazing - Thank you so much!
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06 Nov, 2017 by Rebecca
I hired Mr Leinart after many failed attempts to get my mortgage company to work with me when i got behind after losing a job. Leinart filed for me at the last minute and saved my home from foreclosure. Since then, I've been able to catch up on all of my house payments and get rid of all of the credit card debt i accumulated while i was out of work. I'm so thankful for Mr Leinart and everyone at Leinart.
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Cheryl S. Davis, experienced Bankruptcy, Foreclosure attorney in Arlington, TX with 268 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
28,36
star star star star star
4.0/5
Avvo
5.0
21 Reviews
Google Maps
3.9
247 Reviews
star star star star star
07 Dec, 2024 by Golfboy p.
After getting into my car wreck, I called Jim Ross and his main concern was my well-being. Jim and his group made sure that I had everything that I needed to get better from my injuries and at no cost to me including surgeries. The entire process was made as painless as possible all the way until the end. I am very grateful for what Jim and his team did for me, I know that I couldn't have done it all on my own with our same results.. I HIGHLY RECOMMEND Jim Ross for a Personal Injury Attorney. He will fight for his clients, like he fought for me!!
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17 Sep, 2024 by Theresa
The Law Offices of Cheryl S. Davis is the best there is out there for bankruptcy. Ms. Davis and her staff are hands-on every step of the way through the process. Ms. Davis made me feel welcome from the very first moment we spoke and was always responsive to my concerns thru the whole bankruptcy process; explaining the what and why for all the information she needed for the chapter 7 filing. I was never left wondering what to expect nor did I ever hesitate to ask a question. I could tell Ms. Davis has excellent abilities when dealing with the court by the manner in which my case was prepared and presented to the trustee. I could not have been in better hands.
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06 Aug, 2024 by Gentle bear
Very good service. The service I received was great, however, the other attorney for my ex wife dragged things on for nearly a year. My lawyer Stacy Alford kept me informed. I would highly recommend Jim Ross but you best have plenty $$$$. 😃
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Keith Allen Wolfshohl, experienced Foreclosure, Real Estate attorney in Austin, TX with 5 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
24,99
star star star star star
4.2/5
Google Maps
4.2
5 Reviews
star star star star star
17 Mar, 2020 by Cam
Helped me get my patent approved, although the process was long sean was skillful efficient and decisive not to mention incredibly helpful and I’ve worked with him for almost 4 years now, highly recommend
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17 Mar, 2020 by Lucky12video
Fantastic patent attorney!
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04 Jan, 2018 by Mike h
Represented me in my divorce case. Due to his incompetence I lost almost everything. To this day I am still paying the price for making the decision to hire him. 11/27/2018 RESPONSE to you....I have plenty of bank statements to prove this review is NOT erroneous!
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Randall Varney Macchi, experienced Business, Car Accident attorney in Houston, TX with 232 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
23,13
star star star star star
3.8/5
Google Maps
3.8
232 Reviews
star star star star star
14 Jan, 2025 by Robert brown
Take your business elsewhere. Poor customer service. Found a better plan with another company. I sent an email to this company canceling my service. Still payment out. Called out "customer service" on their incompetence. Yesterday I received 2 pieces of mail stating my coverage will be canceled due to non-payment. Is this the outfit you want watching your back in case things go sideways? I will not mention the company I switched to, but I recommend looking up Heavy Duty Country on Youtube.
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25 Nov, 2024 by Isaias segovia
Purchased a LTC course 11/20/2024. 5 days later still have no access to course. Customer service is not helpful. They have my money, won’t respond to a refund request and have no access to the course I purchased. Terrible first impression! Purchase your LTC course elsewhere
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18 Oct, 2024 by Jim frame
I just called in to TX Law Shield and had a wonderful lady named Dory that was so efficient, and courteous !! I was impressed and feel even better about this company. She is a Great Ambassador for RX Law Shield! Thanks Dory for being kind to an old man -- You are the Greatest!
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Philip Stuart Traynor, experienced Business, Financial Markets And Services attorney in Dallas, TX with 54 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
20,52
star star star star star
3.9/5
Google Maps
3.9
54 Reviews
star star star star star
06 Dec, 2024 by Dustin neyra
Exceptional service from Manning and Meyers in HOA law. Their expertise in collections and delinquent account management is outstanding, matched by their strategic risk management approach. They excel at protecting community interests through preventive legal guidance and swift resolution of issues. Consistently responsive with timely solutions, they maximize recovery for HOA clients while minimizing liability exposure. Their deep knowledge of HOA law and proven track record makes them the go-to firm in this field. Their proactive stance on risk mitigation saves communities from potential legal headaches. A solid 5/5 for their professional excellence, reliable performance, and comprehensive protection of HOA interests.
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09 Nov, 2024 by Andrew mason
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star star star star star
10 Jul, 2024 by Michael miller
Highly recommend this firm to anyone. I am a landlord and just had to get tha ball rolling on evicting someone. Lance is amazing, and I will continue to utilize this firms expertise in the future.
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Amir Rezai Befroui, experienced Business, Debt Collection attorney in Dallas, TX with 224 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
16,53
star star star star star
3.6/5
Google Maps
3.6
224 Reviews
star star star star star
26 Feb, 2025 by Maria banda
Google Maps
star star star star star
22 Feb, 2025 by None none
Had an amazing experience going through guardianship with legal aid Tiffany was very attentive and caring and kept great communication with me she made everything so easy for me and helped thru the process Tiffany and her office team give quality care best experience definitely recommend legal aid for best care and experience like they gave me thank you so much Tiffany!!!
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10 Feb, 2025 by Blake smith
Don’t waste your time. They can’t even help with representation in municipal court dealing with code compliance.
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David L. Pritchard, experienced Family Law, Foreclosure attorney in Hurst, TX with 1 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
9,77
star star star star star
1.0/5
Avvo
1.0
1 Reviews
star star star star star
03 Dec, 2024 by Anonymous
I've been trying very hard to find someone to help me with a consumer protection case where I've been scammed out of thousands of dollars. I don't know where to turn. I was told last week when trying to set up a consultation to expect to be contacted on Friday but there was a Thanksgiving Holiday soI waited until the following week to call again. When I called back the answering service was quite rude. I've decided maybe trying to find help with this matter is no longer worth my energy.
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Nicholas Robert Veach, experienced Debt Collection, Family Law attorney in Carrollton, TX with 8 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
9,26
star star star star star
2.0/5
Avvo
2.0
8 Reviews
star star star star star
21 Jun, 2024 by Sondra
Nicholas Veach was quick, responsive and got the job I needed DONE!! Highly recommend!!
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18 Mar, 2024 by Anonymous
This guy as part of the firm I contacted for an abandoned easement issue involving a utility company. The firm advertises expertise in this area, but then refer to this guy. Says in his email he has a plan. Our goal was to get the easement removed and then sue for damages. After reading these reviews I was trying to be objective. But after a 15 min consult, he nor the hiring firm had knowledge of what an abandoned easement was. Kept asking ME on the phone what it was....HELLO? Thats why we're seeking your counsel! ..then said literally at the 15 min mark your time is up get your credit card ready...most lawfirms give a free consult outlining your case etc. If you pay for a consult, which we were happy to do...there's an expectancy of a plan, cause of action , advise, etc. We received nothing in exchange. They had all the information we sent, evidence and bullet points of information yet have no clue. Very unprofessional. The other reviews are correct.
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10 Sep, 2023 by Anonymous
When I first contacted Veach he was fired up about my case. I paid him a large amount up front. A couple of months later I contact him for an update. He gives me this sob story about how him and his wife are struggling to make ends meet because he is a new attorney and trying to make it on his own. I send him several more thousands of dollars. He acted very graciously and laid out this grand plan of how my case was going. He claimed he had sent the defendant's attorney all these papers and had filed all these motions. He told me how things were going and what to expect. Then months later the defendant fires his attorney and gets a new one. All of the sudden Veach's attitude changes. He has supposedly talked to the defendant and his attorney and now it seemed they were running to show. Veach lied to me and then when the well went dry he dropped my case because he said he had other bigger cases to worry about. I have never met him in person, but now believe he is a con-artist and should be brought up on ethics charges by the State Bar Association. I now have to find another attorney and start the whole process over. He never offered to return any of the money I paid him.
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Christopher James Archambault, experienced Business, Foreclosure attorney in Houston, TX with 1 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
7,17
star star star star star
1.0/5
Avvo
1.0
1 Reviews
star star star star star
21 Nov, 2022 by Anonymous
This attorney has been terrorizing my community for years. He was let go by his firm has a share holder and moved to Porter Law Firm as a managing HOA attorney. Look up liar in the dictionary and his picture will show.
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Jason Robert Reed, experienced Business, Debt Collection attorney in Irving, TX with 1 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,57
star star star star star
1.0/5
Avvo
1.0
1 Reviews
star star star star star
12 Apr, 2022 by Condo board
Jason Reed sold us out for 2/3 of the money we could have collected. On August 30, 2021 we told him via email that “we as a board are not of the mindset to waive any sort of late fees, penalties, interest, etc. we have a collection policy and we the board do not discrimination in the application of that policy.” On August 31, 2021 at 9:29AM Jason Reed replied to us with “I (Reed) will report to opposing counsel that the Association is not going to waive any of the charges and feel that Mr. (Name of person being sued by us) is responsible for all assessments, late charges, collection costs, including attorney’s fees, and the fines levied against the respective units” Later that week we reached out to Jason Reed about the state of things as foreclosure was scheduled for early the next week. Reed informed us that the person being sued came in and paid about 2/3 of the money owed and since everything but fines were now paid, we could not pursue the foreclosure any longer and we were still owed the fines. When Jason Reed wouldn’t pursue things further we requested copies of all communication and discovered the following. On Tuesday August 31, 2021, 12:44PM : Reed replies to an email to the opposing lawyer and states If the amounts minus the fines are paid, then the sale will no longer be an issue.” NOTE: It appears here that in the span of three hours and 15 minutes, Reed has unilaterally (without client feedback) decided what he will accept in direct contradiction to written instruction by his client.
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Justin Allyn Shipley, experienced Foreclosure, Real Estate attorney in Dallas, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Jessica Leigh Thackway, experienced Foreclosure, Immigration attorney in Dallas, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Simin Sun, experienced Business, Foreclosure attorney in Houston, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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David L. Campbell, experienced Bankruptcy, Debt Collection attorney in Dallas, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Theodore Ohmstede Bartholow, experienced Business, Debt Collection attorney in Dallas, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Jacob B Hyde, experienced Foreclosure, Real Estate attorney in The Woodlands, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Heath Cole Poole, experienced Business, Foreclosure attorney in College Station, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Gregory Alan Ross, experienced Adoption, Debt Collection attorney in Wichita Falls, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Anne Marie H Bui, experienced Foreclosure, Real Estate attorney in Garland, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Christopher Carl Wallhagen, experienced Foreclosure, Real Estate attorney in Houston, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Paul Aram Pilibosian, experienced Foreclosure, Litigation attorney in Houston, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Stephanie Leigh Perry, experienced Business, Debt Collection attorney in Midland, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Christopher Adrian Baca, experienced Estate Planning, Foreclosure attorney in Fort Worth, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Sharon Kay Sherman, experienced Bankruptcy, Debt Settlement attorney in Bedford, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Lauren E. Powell, experienced Bankruptcy, Child Custody attorney in Grapevine, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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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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