Upper Darby, PA Mortgage Foreclosure Defense Lawyer
Having to move out of your home can be overwhelming. When a life-altering event like foreclosure strikes, your life feels upside down, and you may not know what to do. With a compassionate and knowledgeable attorney on your side, you can navigate through this process and reach the best results possible in your case.
If you or someone you know is experiencing a mortgage foreclosure in the Upper Darby area, you should talk to an experienced Upper Darby mortgage foreclosure lawyer. The accomplished team of foreclosure attorneys at Young and Marr and Associates are keenly aware of the stress and life complications clients who face foreclosure face. With over thirty years of experience representing debtors in distress, we are prepared to take your case. To schedule a free consultation, call us at (215) 701-6519.
Filing for Foreclosure Protection in Upper Darby, Pennsylvania
Foreclosures in Pennsylvania are judicial processes administered through the local common pleas courts. Through court supervision, debtors receive procedural guarantees and protections as well as the time and opportunity to assert their rights.
Since there are deadlines and proper formatting required to file court documents correctly, you should talk to an attorney who can help you navigate through the process. For example, you will receive a summons (notice) and a foreclosure complaint against you. If you don’t respond to this document, you may find yourself with an eviction sooner than you thought.
Debtors in Pennsylvania also have access to some services that can help them avoid foreclosure. Your attorney can help you understand and apply for some of the following procedures where available:
- Mortgage loan modifications where the terms and interest rates of the mortgage loan can be modified
- Forbearance or other opportunities to work out a plan to catch up with payments
- Reaching an agreement to a timetable for a short sale, which can offer many benefits
- Opportunities for loan assistance programs
Depending on your circumstances, an attorney can help you work out a strategy that will fit your situation so that you don’t have to face an unexpected eviction. In many cases, filing for bankruptcy can put a temporary stay on the foreclosure and help you keep your house and manage your debt.
Filing for Bankruptcy to Stop Foreclosure in Pennsylvania
When you file for bankruptcy, a freeze is put on your accounts and debts. This means that your creditors – the people to whom you owe money – cannot go after your assets or accounts to satisfy the debts. Instead, the court will arrange a repayment plan or another process by which creditors can accept payments in the proper order and by which you can pay back your debts at an affordable pace.
In many cases, filing for bankruptcy can be the key to stalling foreclosure proceedings. Foreclosures filed against you can take your house and put it up for auction much quicker than you think, and it is often difficult to get the case arranged properly and stop the foreclosure by attacking it head-on. Instead, our lawyers can help guide you through bankruptcy processes which might be able to help you keep your home.
Working with a Foreclosure Lawyer in Pennsylvania
If you try to stop foreclosure or file for bankruptcy on your own, you will be required to act as your own lawyer. This means handling the procedure of the case, properly formatting all court filings, and making legal arguments without help. Instead, consider taking your case to an experienced foreclosure lawyer to help save your house. Our attorneys work to protect people during bankruptcy and foreclosure, and we may be able to take your case, too.
Setting up a free consultation with a lawyer can help you understand what steps can be taken to help in your case. We can analyze your case and your financial situation, help go over your mortgage papers, and determine the best course of action in your case. In some cases, we may be able to challenge the foreclosure on a legal basis if the lender violated your rights or committed errors in administrating the loan. Call our attorneys to discuss your case.
Call Out Upper Darby Foreclosure Attorneys for a Free Consultation
As you look through your options, don’t waste time going through all the paperwork without the assistance of a legal professional. With an experienced set of eyes on your side, you stand in a better position to work out a plan or stop the foreclosure altogether. People frequently lose important rights when the foreclosing lender’s actions go unchallenged, or they find themselves homeless. The team of Upper Darby foreclosure attorneys working at Young, Marr, Mallis & Associates are relentless advocates and will fight for your rights at every step of the way. Call (215) 701-6519 to schedule a free, private consultation.