You cannot win them all, and in foreclosure cases, you are not going to win any. Even if the case gets dismissed, the lender or loan servicer will come back with a better-built case and they will ultimately prevail over the homeowner. However, a foreclosure defense gives the homeowner an opportunity at an alternative outcome. Foreclosure defense is not about winning or losing; it is about changing the game. If you can finish a short sale, or you can finish a mortgage modification before the foreclosure case gets to an end, then you have accomplished something different. However, you may need the legal defense for that opportunity to play a different game. Short sales and mortgage modifications take time, and a foreclosure defense can give you that time to pursue such an alternative. A short sale will not stop a foreclosure. Just because you are in negotiations with your lender for a short sale, or you are doing well in a temporary mortgage modification, does not mean you are “safe” from foreclosure. The legal department and the financial department are two separate entities. They do not necessarily communicate or coordinate. The lender may be working with you for a short […]
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