Foreclosure Defense Rights For Homeowners

Foreclosure is a court proceeding that must be followed carefully because failing to do so may lead to trespassing of the rights of the homeowners. If you are in the midst of facing foreclosure, you must not dwell of the feeling of helplessness and that you have nowhere to turn. Remember that you still have specific rights that you can exercise during the legal battle.

Warning – Always consult with your foreclosure defense lawyer about the specific foreclosure rights you are entitled to. Foreclosure laws are complex and confusing to most homeowners but a reliable lawyer can explain everything to you in simpler terms.
Considerations – A foreclosure lawsuit can be expensive. You, as a defendant is not only responsible for legal fees. You are also expected to pay for appraisals. It is important to ask a lawyer on set about what fees you need to prepare for.

Types Of Foreclosure – There are different types of foreclosure and you have to be aware of them. For example, are you facing a strict foreclosure? The type of foreclosure you’re facing can help your lawyer prepare a defense that can win your case.

Time Frame – In a foreclosure defense, the time frame you have refers to the how many days you have until the final deadline to pay off the foreclosure.

What Should You Look For In A Foreclosure Defense Lawyer?

It is everyone’s dream to be a proud owner of a nice home. It is every American’s dream in fact to own a house for their family. However, you cannot tell what can happen in the future and you may find yourself in deep trouble at the mercy of your lender. In times like these, you would benefit greatly from the services of a skilled foreclosure defense lawyer. This type of lawyer is knowledgeable and familiar with all the complexities of foreclosure law. However, you shouldn’t come running towards any foreclosure lawyer around. Your home is on the line so make sure you choose the best.
Look for someone who is experienced. The biggest advantage to hiring a foreclosure defense lawyer than just any other lawyer you may find is that they are used to dealing with matters similar to your case. The reality that you have never faced the reality of losing your home may be too overwhelming for you but not for an experienced lawyer. Leave it all to a skilled professional to do what they do best.

Hire someone with a successful track record. You would want to make sure that the person you hire has dealt and won cases like yours in the past. Don’t be fooled by smooth talks of a lawyer. Ask for proof about what they have accomplished for the past years and then decide. You want a professional who is up for the challenge and can win the case for you.

Get the services of a lawyer with good demeanors. The stress of facing foreclosure is burden enough and you don’t want to deal with a lawyer who doesn’t take his job seriously. Find someone who is willing to listen to any questions or concerns you may have. If the person you are considering seems to be interested only in money, don’t hire him. Traits like that may only lead to trouble right in the middle of the case.

Types Of Foreclosure In The United States

If you are facing foreclosure, the first you have to ask yourself is: “What type of foreclosure am I in for?” Determining what the type of foreclosure helps you better prepare for a defense and the needed documents. Most especially, it gives your foreclosure defense lawyer an idea of how to handle your case towards your advantage.

Judicial Foreclosure.

This type of foreclosure is allowed in all states. This happens when the lender files a civil lawsuit against the borrower and the entire process would be handled by the court. This can be further divided into two: foreclosure by sale and strict foreclosure. Foreclosure by sale requires the home to be auctioned to the highest bidder while in a strict foreclosure, the court sets a date by which the owner must pay the mortgage. If he fails to do so, the court awards ownership of the home to the lender with no auction taking place.

Non-judicial foreclosure.

This process allows the lender to advertise and sell the property at a public auction without court involvement. In this type of foreclosure, the borrower must agree to the process when they took the loan. A power of sale clause is added to the mortgage or deed of trust which gives a third-party trustee the right to sell the property in case the borrower is not able to make the payments.

Property Insurance: Five companies may take over Citizens policies – South Florida Sun-Sentinel.com

The push by Florida’s largest property insurer to transfer a record number of policies to private firms is sparking calls to offer homeowners more details that will help them make the critical decision about whether to switch.

Customers of Citizens Property Insurance Corp. have to discover for themselves facts such as whether their premiums would increase under a private insurer, a company’s responsiveness to policyholders and its track record on corrective actions from regulators.

“For the consumer, there really isn’t enough information,” said Robin Smith Westcott, the state’s consumer insurance advocate.

via Property Insurance: Five companies may take over Citizens policies – South Florida Sun-Sentinel.com.

Helping to Fight Against CITIZENS Property Insurance Company

From Unjust Rate Increases

Our legal team helps homeowners who have you received notices of increased
homeowner insurance rates as a result of faulty home inspections by CITIZENS
Property Insurance Company. If Citizens Property Insurance Company inspected
your home in the past FIVE YEARS and increased you premium based on that
inspection, the lawyers of Dawson & Moskowitz will fight for you and protect
your rights.

If you have Citizens Property Insurance – Your home could have been one of
their 228,603 home inspections resulting in INCREASED PREMIUMS in 74%
of the inspections performed. That’s right!169,166 homeowners have had their
premiums increased already by Citizens (source: Miami Herald Sunday August
12, 2012). This is the reason you should check your insurance bill and call
Dawson & Moskowitz.

We will send our law firm’s home experts to your residence free of charge. If
you’ve had your homeowners’ insurance premiums increased due to an inspection
during the last FIVE YEARS, Dawson & Moskowitz will represent you. We will
help you to recover the monies that have been wrongfully charged to you – We
will not charge you Fees or Costs ever. If we prevail, Citizens will pay our fees
and costs under Florida law.

If you have a claim Against Citizens, we will represent you

Attorneys Joseph Dawson and Larry Moskowitz have spent the past 25 years
fighting the insurance companies on behalf of homeowners. Our law firm will
provide experts who will re-inspect your home at no charge to you. If you have a
claim we will represent you

Florida Law requires that Citizens Property Insurance Company pay our fees

Under Florida law, if we represent you and prevail in court, Citizens will pay our
fees and costs. If you are the unfortunate victim of greedy insurance companies,
you can take comfort in knowing that one of our attorneys is handling your case
with great expertise.

CITIZENS PROPERTY INSURANCE – STATE FARM – UNIVERSAL
PROPERTY & CAUSUALTY are among the many

These insurance companies have a history of rate increases. We have the
experience of fighting big insurance companies on behalf of homeowners. If your
home has been re-inspected during the last five years, and your rate increased as a
result we may be able to help you. Call or e-mail us using the form below.

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