Our Foreclosure Department is staffed by skilled real estate attorneys licensed to practice in the states of Ohio, Kentucky,Indiana and West Virginia. Foreclosure Kentucky Bankruptcy Lawyer defense offers options for a homeowner who falls behind on a mortgage, such as alleging lender misconduct or negotiating a loan modification, repayment plan, forbearance agreement, or short sale. If you’re facing foreclosure and you want to defend against it, working with a foreclosure attorney is your best bet.

Edward B Weinberg, Attorney

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NASHVILLE – Working with the Nashville Bar Association, our attorneys helped with the escalating problems of people who had recently lost their jobs. Focused on providing assistance with unemployment appeals, the attorneys helped individuals receive unemployment benefits after their applications had been contested by their former employers. In all, more than 70 appeals were resolved, earning Lauren Paxton Roberts, who headed the effort, recognition by the Legal Aid Society of Middle Tennessee and the Cumberlands. By community, here are examples of ways Stites & Harbison attorneys and staff have made a difference in their hometowns.

Contrary to some bankruptcy myths, there are times when filing for bankruptcy may be the right solution for an impending foreclosure. When the bankruptcy court approves your petition, it will issue an automatic stay. You have 60 days to respond to the summons, and failure to do so may result in the court entering a default judgment against you. You should also be aware that once the impending foreclosure is made part of the public record, unscrupulous scam artists (who are not true attorneys) might contact you offering help. Please include all relevant details from your case including where, when, and who it involves.

This can also stop the foreclosure of your home if the filing occurs before the sale of the home. Here at Schwartz Bankruptcy Law Center, we help those struggling with debt get the fresh start they deserve. We are committed to offering debt relief options that are in your best interests and are designed to give you peace of mind. Our attorneys have over 40 years of combined legal experience and know how to handle bankruptcy filings. We will help you and your family get through the legal process, from beginning to end, with confidence.

It is becoming increasingly common to see debt buyers purchasing these deficiency debts and suing for the deficiency with interest and foreclosure attorney fees. Unfortunately, this judgment is valid in Kentucky for up to 20 years. Next in the Kentucky foreclosure process is the complaint but, filing the complaint with the circuit court is just the start to a lender obtaining a judgment and sale. In the filing, the plaintiff must include all parties that may have an interest in the property. This includes taxes claims, any spouse, other mortgages, and judgment liens. The necessary parties include anyone with a possible interest in the parties.

When To Hire A Foreclosure Lawyer

I am an experienced lawyer focusing on bankruptcy relief for foreclosures, small businesses, consumers, and tax debt. In 2005 I purchased two investment properties and rented them both out. When the market went down, I could no longer afford either property but I also could not sell them either so I got behind on my mortgage payments. I contacted Kentucky Solutions and they were able to take them BOTH off my hands for less than what I owed by doing a Short Sale, and I don’t owe anyone a dime! My problems are solved and the foreclosure is stopped—Amazing!

Representation From Experienced Real Estate Lawyers

Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional or a HUD-approved housing counselor. A breach letter is basically a notice from the lender that informs borrowers that they are in default. Your mortgage contract mostly likely has this provision as a requirement. Before a lender can proceed and accelerate the loan, they must give you a chance to fix the default and avoid foreclosure altogether. Once you miss a payment, most lenders give borrowers a grace period of around ten to fifteen days. When this grace period passes, you will begin to see late fees.

The foreclosure law process for consensual and non-consensual liens are similar. For instance, we can strip judicial liens which are not consensual if it impairs your equity in a bankruptcy. However, we can also strip a second mortgage which is a consensual lien if there is no equity for the lien to attach. In Kentucky, lenders file foreclosures in the property’s county, which may or not be the county the owner lives in. Chapter 13, on the other hand, could save your home altogether. This chapter allows you to set up a payment plan rather than liquidating your assets to pay back your creditors.