When a family or person is initially served with a notice of foreclosure, the immediate reaction can sometimes be the worst part about the entire foreclosure. Whether or not you and your family with have a home in a year is now up for a legal proceeding. Although the situation might feel hopeless, it is the farthest things from it. With the right steps taken, one can begin to feel more confident and knowledgeable about what is going to happen and how to handle it. Not only this but having a better understanding of the legality this situation can help you garner a better understanding about filing for bankruptcy, loan modification, and finding a lawyer.
All over New England, homes are coming being foreclosed upon more often than ten years ago. With the economy having hard time bouncing back from the real estate market crash, more people are finding themselves in a situation they don’t want involvement in. Foreclosure attorneys in Boston, Massachusetts are easy to find if you go about finding them in the proper way.
Before even calling a lawyer for legal advice, one should first begin looking for a HUD-certified housing counselor. These counselors also have a basic understanding of how foreclosures work and you don’t have to pay for their time. A counselor can push you in the right direction with helpful tips to finding a lawyer in or around Boston, as well as giving you a list of options you might be eligible for to try to turn your foreclosure situation around.
After meeting and talking to a HUD-certified counselor, you can talk to someone at The Department of Housing and Urban Development. They also offer counseling services for foreclosure tips and help. Talking to someone hired by the government before talking to a Lawyer is
also helpful and can put your mind at ease a little more than what it might had been before receiving a foreclosure notice. You can check out the Department’s website and find a counselor, as well as begin looking for a lawyer in Boston.
After you have some wind under your wings and began to understand your situation and what you can do, finding a foreclosure lawyer in Boston is a relatively easy process from here on out. There are some things you should keep in mind however before meeting with a lawyer or talking with one. Taking a few steps before contacting a lawyer and setting up an appointment can make the legal proceeding a lot less painful for both parties.
Finding a lawyer is tricky to say the least if you have no previous experience or contacts with a foreclosure lawyer. Going about finding one in Boston however is a lot less complicated and stressful than most think. A lot of experts and counselors will tell you that a simple Google search will suffice, while others tell you the best route to take is finding someone who has already worked with a foreclosure lawyer. This way, whoever you speak with can tell you what happened, what to expect, what they learned, and give you recommendations on lawyers around Boston they might have talked to. Post an ad on Craigslist looking for someone who has talked with a lawyer.
There is also the John Joseph Moakley United States Courthouse in Boston. Trying to come in contact with someone who works there would be very beneficial and set up anyone for an advantage in finding a trusted and reputable source for foreclosure lawyers. The best way to directly contact someone from the courthouse is by phone or sending in a request online through the website. You will get a call from someone within a couple of days asking what information you need, and what they can do to help.This method is by far the best recommended method of finding the best lawyer, but not always.
Some lawyers like to nickel and dime families, especially in a financial crisis such as a foreclosure. This practice is often times frowned upon in the court system, and makes the lawyer seem more directed towards the financial perspective of a client than actually doing any real help. Correctly identifying these types of lawyers can save someone a lot of time, and more importantly, money. Look out for lawyers who immediately make promises of being able to save your home from foreclosure. If the lawyer makes it immediately known that he or she can save your home before they know your net income, then move on and find a lawyer around Boston that can’t make any promises, but can promise to help as much as possible without cutting into your finances even more.
Make sure you have everything typed and in a folder chronologically so your Lawyer can better understand the case and what the loan holders reasoning for deeming your home worthy of a foreclosure. After you have everything in order, contact the lawyer or law firm you have selected and tell them exactly what you need done. Time is money, so make sure you know exactly what needs said for that first business call. If everything checks out and the lawyer has agreed to help out, you can now begin to breathe a little easier as you are well on your way to the path of reclaiming your home from a foreclosure notice.
Following these steps will help you out with your foreclosure, but also give you a basic knowledge on how lawyers handle foreclosure legalities, as well as great advice from counselors. After everything, you can begin making your way back to becoming financially stable and handling your loan officers a bit better.