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Foreclosure Mistakes & Bankruptcy

The Minnesota stop foreclosure lawyers at Neff Law Firm, P.A., understand that foreclosure mistakes by homeowners are not unusual. These mistakes should be avoided whenever possible. Homeowners facing the threat of foreclosure can be paralyzed with anxiety. The paralysis may result in losing the opportunity to take remedial action in the situation. A homeowner's attachment to a home can cause them to lose the ability to objectively evaluate the situation. They often find that they are bombarded with misconceptions, confusing information and even falsehoods. For that reason is important that consumers go to a source that is objective and knowledgeable about how to handle the threat of foreclosure. While impending foreclosure is definitely threatening it is not necessarily impossible to address in a helpful manner. Consumers should keep in mind to avoid common mistakes such as what follows:

  • Doing nothing and simply waiting for the bank that is lender rather than taking affirmative action to deal with the situation.
  • Getting angry and doing destructive acts to the property to get back at the lender.
  • Failing to gather together and review copies of all documents that passed between the lender and the consumer related to the property. This would include any misleading or broken promised by the lender related to the property.
  • Not writing down all relevant dates, times and places related to communications with the lender. This would include the dates and times of all calls with the lender before taking out the mortgage and after in dealing with the potential foreclosure. There should be complete notes of what was said in each communication.
  • Failing to gather together and review any proposed workout plans, loss mitigation proposals or other communications by or for the lender to the consumer.
  • Failing to review all documents related to the property.
  • Not trying to address resolving all possible issues with the lender.
  • Not having an objective evaluation of the lenders right to proceed with a foreclosure. This may be done with the help of a foreclosure defense attorney.
  • Not getting a debt relief evaluation by an experienced attorney. This evaluation would include looking at bankruptcy alternatives. It would also include consideration of eligibility for bankruptcy relief that may allow for stopping a foreclosure through filing bankruptcy.

Consumers who act in a timely and efficient manner to handle legal matters and avoid the foregoing mistakes have a better chance to resolve in a favorable way the outstanding threat of loss of a home in foreclosure.

Legal Help

Neff Law Firm, P.A., concentrates on commonly needed legal services including foreclosure defense, bankruptcy, criminal, employment, business and civil litigation. The firm's lawyers give personal attention to each client's individual legal matter. A case file is more than a file number to them. Neff Law Firm, P.A., lawyers deal in legally helping people not just in handling cases.

Complex Litigation

The Minnesota lawyers from Neff Law Firm, P.A., have handled complex civil litigation in various state and federal jurisdictions in the United States including multi-district litigation. These Minnesota lawyers provide personal attention to clients and zealous advocacy for their causes.

Minnesota Prevent Foreclosure Lawyer

Need a Minnesota Lawyer?

Debtors facing foreclosure on their home can arrange for a confidential meeting with a Minnesota prevent foreclosure lawyer at either the greater Minneapolis office in Edina or the greater St. Paul office in Roseville of Neff Law Firm, P.A., by calling the central scheduling telephone number of (952) 831-6555.

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