In Ohio, the foreclosure process begins when the mortgage lender serves the homeowner with a foreclosure complaint. If you have been served, you need to act fast. You have only 28 days to respond. This means that by the deadline, you must file with the court either an answer or a motion to dismiss the complaint.
You likely feel overwhelmed. You want to fight foreclosure, but you do not know what your rights are. You are behind in your mortgage payments and struggling financially. You don’t know what to do.
At Cozmyk Law, we offer a free case evaluation and provide you with the information necessary to make an informed decision about how to proceed. You can also learn how an attorney may be able to save your home from foreclosure.
Reasons to Hire a Foreclosure Defense Attorney in Ohio
Here are just a few reasons you may want to hire an Ohio foreclosure defense attorney.
1. You are in the military and on active duty.
Being in the military does not mean you are exempt from foreclosure. However, under the Servicemembers Civil Rights Relief Act (SCRA), you have more rights to fight foreclosure than those not in the military. The law is complicated, but an experienced foreclosure attorney will be familiar with its intricacies and know if it applies to your case and will make sure your mortgage lender is following the law.
2. You are committed to doing everything you can to save your home.
You may feel helpless and like there is nothing you can do. There are no promises, but an experienced foreclosure defense lawyer is aware of nuances in the law that may provide you with the relief you need and save your home.
3. The attorney will review your documents and may find mistakes made by the mortgage lender.
The lender may not even realize it has not followed the law. The lender may have followed the law, but there may be contract clauses the lender has not complied with. You are likely unaware that these mistakes were made but an attorney will spot them and use them to save your home.
4. The attorney will be aware of court procedures that must be followed.
There are documents you must file with the court and deadlines that must be met. You may have defenses that must be timely raised, or you may lose them.
5. You have a government-backed loan.
Depending on the type of loan you have, you may be eligible for alternatives to foreclosure. For example, you may qualify for a loan modification program, you may request forbearance, or discover there are mortgage relief funds available. Your foreclosure defense attorney will explore with you whether any of the options apply.
Contact Cozmyk Law Offices for More Information on Hiring a Foreclosure Defense Attorney
Cozmyk Law Offices, LLC, serve the greater Ohio community with foreclosure and bankruptcy defenses. Our mission is to help people save their homes. Reach out to our team to schedule a free case evaluation. We will explain to you your rights and if we decide to work together, we will do everything possible to save your home. You must act fast, so call us as soon as possible at (877) 570-4440.