Being faced with foreclosure can certainly be intimidating and overwhelming for anyone. Losing the roof over your head is serious and it can be very difficult to recover from something so devastating. It is especially difficult and unfortunate when a family with kids has to go through something like this.
Many people believe that foreclosure is something that happens only to financially irresponsible or reckless individuals. This is not true. With improper health care laws and high taxes and regulations that can really send your business down the drain, sometimes circumstances are out of your control.
Even the most responsible and calculative individuals may find themselves being unable to pay off debts and mortgages or even make ends meet because of sudden and unpredictable events such as accidents, medical emergencies, loss of job, natural disasters, etc.
If you or someone you know happens to be in such a predicament, then you must be aware that there are some legal options for you to effectively deal with foreclosure. A marvelous legal counselor can certainly help you establish a salient and formidable foreclosure defense. We have this type of legal talent right here on USAttorneys.com.
What is foreclosure?
As per the laws in Hawaii, the process of foreclosure is a legal proceeding where a creditor repossesses property from a borrower/home owner that has not kept up with the contractual agreement in terms of payments.
Once the creditor has foreclosed on the property, they will then proceed to sell it and the money acquired through the sale will go towards clearing the home owner’s debts either in full or partially. However, there are several state and federal rules and specifications that need to be abided by in order for a creditor to sell the house of a borrower.
There also exist some homeowners’ rights which can be used by borrowers/home owners in order to defend themselves.
A foreclosure defense attorney who has experience in representing homeowners in foreclosure cases and assisting them in saving or retaining their homes will be able to help anyone faced with foreclosure. The defense strategy used, of course, may vary from case to case. All foreclosure cases are unique and the defense is going to be different too.
However, there are some general defense aspects or guidelines which defense attorneys use in foreclosure cases to help their clients come out on top, they include:
- The terms and conditions stipulated by the mortgage are unfair and can be classified as unconscionable.
- The initiation of the foreclosure was due to fault on part of the creditor in terms of not providing sufficient and timely notice, or failure to wait for the homeowners response, etc. and so the homeowner cannot and should not be held liable.
- The creditor did not use reasonable terms and conditions in the mortgage contract and deviated from the fair lending laws and the Truth in Lending Act.
There are several other ways to beat a foreclosure. The best solution is to engage the services of a Hawaii foreclosure lawyer. At USAttorneys.com, you can find the best legal professional in your county with just a few simple clicks. You are almost there!
You can use the interactive map or the local lawyers’ directory on the homepage of this website to gain instant access to the phone numbers and other details of these experts who have the ability to protect your home. You can call them immediately and request for a free initial consultation with no strings attached. Call without any hesitation! They can potentially save your home.
The first meeting is free. You have nothing to lose.
For any help with the process or if you have any issues, send us your information via the online chat form. To have us call you back, you can also fill out the free case evaluation form. We will call you that same day, no problem, depending on the time and so on. We will help you secure legal help.
We want you in the best of hands and we have those hands on this site. We know you are tired and stressed out, it is time to hand the baton over to someone who knows this domain quite well and who knows the legal ramifications of every move you could possibly take.