Foreclosure Lawyer Oklahoma City, OK
One of the biggest heartbreaks that any of my clients face is losing their home to foreclosure. Faced with losing the family home, many marriages end, and families break apart. The surprising thing to me is just how close most people are these days to having one relatively minor life event like an illness, injury or layoff from work completely disrupt their life which can often end in the missing of a mortgage payment or two and then a foreclosure lawsuit.
To make matters worse, mortgage companies are often unhelpful and can even be downright uncaring to your situation. They rarely care about the circumstances that led you to get behind and instead only want you to pay thousands that you don’t have. And even when the mortgage companies offer programs like modifications, they can make the process so difficult and burdensome that people rightly give up. Well, don’t give up! Contact a foreclosure lawyer Oklahoma City, OK residents trust from Marty Martin Law.
When you call us, we will get you in quickly for a free consultation to discuss your options. Many people don’t realize that even if you have missed multiple months of mortgage payments – you can still save your home. How? A Foreclosure Lawyer in Oklahoma like our firm can provide you up to 60 months under A Ch. 13 Bankruptcy in which to pay the missed back mortgage payments that have been missed – often interest-free.
For example, let’s say that your mortgage is $1,000.00 per month. Let’s say that you were laid off from your job for 3 months and just started a new job and will be 4 months behind before your new income kicks in which would enable you to resume payments. Most likely, when you contact your mortgage company to try and resume payments, they are going to tell you that they can no longer accept any single monthly payments and demand the full 4 months’ of payments along with late fees, penalties and perhaps attorney fees. That would be nearly impossible to most folks. Under a Ch. 13, you can divide up the total amount that you are behind and pay that over a 60-month period with the guidance of a Foreclosure Lawyer in Oklahoma City, OK.
Even if the mortgage company has already filed the foreclosure all may not be lost. Once a foreclosure has been filed, the mortgage company must get an order from the court which can take at least a month if not several. Once the order is granted, the mortgage company must then schedule and conduct a sheriff’s sale of the property and confirm that sheriff’s sale. The whole process can take several months. Up until the last day of the confirmation of the sheriff’s sale, you can still hire a Foreclosure attorney in Oklahoma City like Marty Martin Law and save your house. Please call or email us today for a no-cost consultation.
What Should I Do After I Get a Foreclosure Notice in the Mail?
When faced with a foreclosure notice, the first thing that a homeowner will want to do is meet with a trusted Oklahoma City, OK foreclosure lawyer. If you’ve been served a foreclosure notice in the mail, you may be understandably concerned for your future, including the changes your family may have to go through as well if moving becomes necessary. Know that you don’t have to navigate this challenge alone. When you meet with an experienced Oklahoma City, OK foreclosure lawyer at The Law Offices of Marty D. Martin, we will answer your questions and help you to evaluate your legal options. As you prepare for your consultation, consider the following information and please write down any questions that it inspires. That way, we’ll be sure to get you answers to those questions when you come to our office for your consultation.
How do I respond to the foreclosure notice?
A homeowner has the right to respond to a foreclosure summons and complaint. If he or she wishes to fight the foreclosure, a response can be sent stating exactly that. It is common at this point for the homeowner to work with an Oklahoma City, OK foreclosure lawyer when trying to fight the foreclosure.
What is a Notice of Appearance (NOA)?
When homeowners decide to fight against the foreclosure notice and hire an attorney, they may complete a Notice of Appearance (NOA) form. This is so the attorney can be informed of foreclosure-related updates, and can represent the homeowner during proceedings. By filing an NOA, it can help streamline communication as the attorney can access information without it having to be passed on by the homeowner.
Is it possible to settle the dispute through a meeting?
Yes, it may be a good idea for the homeowner to contact the bank lender right away, to find out if they are willing to work out a resolution for the overdue payments. Some banks may appeal to the idea of negotiation more-so than others. It can be a great first step, as the foreclosure dispute is likely to only intensify if a resolution cannot be made. In certain states, it may be mandatory for such a meeting to be held between the homeowner and representative of the bank. This meeting is otherwise known as a settlement conference.
What is an example of a foreclosure defense strategy?
When working with an Oklahoma City, OK foreclosure lawyer at our firm, you’ll receive guidance related to the kind of defense strategy that will work best for your personal circumstances. Our firm will look over your mortgage conditions and foreclosure notice, along with other key documents to see if there are errors. In the event that any of these documents have mistakes, are misleading, deceptive or fraudulent, the foreclosure process may be reversed in short order.
Know that you don’t have to navigate a foreclosure action alone. We’re here to help you evaluate your options and to help you make an informed decision about your situation. Contact our Oklahoma City, OK foreclosure lawyer team today so that you can spend less time worrying and we can start doing the legal “heavy lifting” on your behalf.