With a rising unemployment rate, foreclosure may be on the horizon for many Clearwater residents. Stephen K. Hachey, a Clearwater foreclosure attorney, is there for you with expert advice and solutions. Hachey stands out from other Clearwater foreclosure attorneys because he utilizes legal strategies and tactics to protect your rights as a homeowner. Hachey makes the bank defend their foreclosure case, giving you time to assess alternatives including loan modifications, short sales, and deed in lieus.
There are many misconceptions regarding foreclosures in Clearwater. Understanding the foreclosure process, including what not to do can help you avoid any potential problems. However, the process can be extensive; seeking the help of a foreclosure lawyer in Clearwarer, FL. with exceptional skill and knowledge of real estate trends in the Bay area can be a key factor in gaining a positive outcome.
Clearwater foreclosure attorney Stephen K. Hachey has over six years of experience in helping homeowners stay in their homes and avoid foreclosure. Whether you are in Countryside, near the beach or anywhere in between, Hachey can work with lenders on your behalf to help protect your interest. Call 866-200-4646 today for a free consultation.
When Does The Foreclosure Process Actually Start?
Some people believe that their loan provider can start foreclosure proceedings the first day past your due date, while others believe a foreclosure cannot start until you have been past due for a couple months. Neither is completely right.
There is a specific window of time in which you can attempt to delay or stop the foreclosure process. If you have recently received the first notification that the bank is starting the foreclosure process, contact a foreclosure lawyer in Clearwater, FL. right now. Stephen K. Hachey, a Clearwater foreclosure attorney, can help. Call 866-200-4646 for a free consultation and to determine your best course of action today!
Basic Outline of a Clearwater Foreclosure Timeline
1. Days 1 – 20: Complaint/Lis Pendens is filed and recorded in the county records. You will likely be served at this point.
2. Days 20 – 30: Notice to Foreclose Served – Official notice the foreclosure has been processed. It is vital that you act before the court enters a default; you only have 20 days to file a response.
At this point it is highly recommended you contact one of our experienced Hillsborough County foreclosure lawyers at the Law Offices of Stephen K. Hachey for a free consultation to go over the details and devise a strategy.
3. Days 90 to 150: Judgment Hearing. The judge will grant the lender a foreclosure judgment and set a sale date, typically 30 days out assuming you don’t hire an attorney who can launch a defense on your behalf.
4. Days 120 to 150: Foreclosure sale and eviction. The home or property will be sold to the highest bidder at a public auction. Unless action is taken, the home or real estate will be lost forever!
5. 10 Days after the sale: Transfer of Title. at this time you no longer own the property and can be evicted.
Take Action Immediately
A foreclosure notice is not an empty threat. Lenders usually have thousands of dollars invested in your property as well as a responsibility to the shareholders to use all techniques available to recover the money or the property. Many lenders will ultimately follow-through on the foreclosure process, even though viable alternatives exist.
Refinancing Your Home
Unfortunately, many people are unaware that they may qualify for a new loan from another lender or even the same lender who is processing the foreclosure. You are allowed to borrow money against your home even during the foreclosure process long as you pay off the current lender with the proceeds of the new loan.
Clearwater Foreclosure Defense
Each foreclosure case is unique. It’s important to have the best Clearwater foreclosure defense team on your side. The law offices of Stephen K. Hachey can ensure you have the best Clearwater foreclosure defense attorneys working for you. When you contact a Clearwater foreclosure lawyer at the Law Offices of Stephen K. Hachey, you will get smart and attentive advice that’s pertinent to your situation. They can also help you discover some additional solutions that you may not know about. Stephen K. Hachey, an experienced Florida foreclosure attorney, cannot only help you determine your options, but can advise you on the best course of action based on your unique situation.
The Law Offices of Stephen K. Hachey proudly serves all of Central and West Florida beyond the Hillsborough County area. These markets include Orlando, St Petersburg, Clearwater, Wesley Chapel, New Hillsborough County, Brandon, South Hillsborough County, Lutz, Zephyrhills, Land o Lakes, Sarasota, Lakeland, Ft Myers, Cape Coral, Bradenton, Bonita Springs, Naples and everywhere in between.
Faced With Losing Your Home to Foreclosure? Call 866-200-4646 Now For a Free Consultation
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