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Find Virginia Foreclosure Attorneys Near You To Help You With Your Case

If you have defaulted on your home mortgage payments, the one mistake you don’t want to make is ignoring your lender. Your lender is more than likely going to reach out to you either by phone or through the mail to notify you that you have missed a payment. And even though you aren’t able to pay them the money that is due, you don’t want to avoid them as this can only make matters worse.

While you might be embarrassed or ashamed that you defaulted on your mortgage and don’t have the answer your lender is looking for, they may be able to work with you on getting you back on track with your payments. There may be certain payment plans that are available to you but the only way to know this for sure is by speaking with them or having one of our well-versed Virginia foreclosure attorneys speak on your behalf.


What to do if you are facing foreclosure?

Aside from keeping in touch with your lender, the Federal Trade Commission (FTC) has highlighted some tips to remain cognizant of if you are going through a financial crisis and cannot keep up with your mortgage payments.


  1. Be familiar with your mortgage. Everyone has their own agreement with their lender on how much they owe, what the terms are, and how the money is going to be paid back. Whether you are on a fixed rate or an adjustable rate, this can play a key role in what your mortgage payments are. For instance, if your payments are being paid back at an adjustable rate, you could see a spike which could cause you to default if you aren’t bringing in enough income or are going through a hardship that has resulted in you working less hours.


  1. As mentioned, if you notify your lender that you are having a hard time paying your mortgage, there may be an option available for you so you don’t lose your home to foreclosure. Some ways you may qualify for one of these options include:
  • Your home is your primary residence.
  • You got your mortgage before January 1, 2009.
  • If your payment on your first mortgage is more than 31 percent of your current gross income.
  • You aren’t able to afford your mortgage payments due to a financial hardship.


Losing your home to foreclosure isn’t an ideal situation for any homeowner, however, it might be the only option you are left with if you can’t afford to pay your lender back or you don’t qualify for any other options.

Whether you are at risk of going into foreclosure, want to learn more about the process, or need some legal advice on what you should do regarding your defaulted account, our foreclosure lawyers in Virginia are ready to assist you. is connected to many different lawyers who specialize in foreclosure who can provide you with the legal expertise you need right about now. All you have to do is give us a call and we can get you started on finding a foreclosure attorney in your city who is available to help you.