Foreclosure Defense | Kemp, Ruge and Green Law Group

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Foreclosure Defense

Welcome to your Pasco County Foreclosure Defense Attorneys, Pinellas County Foreclosure Defense Attorneys, Hernando County Foreclosure Defense Attorneys and Hillsborough County Foreclosure Defense Attorneys.  We cover the areas of Trinity, New Port Richey, Spring Hill, Clearwater, Tarpon Springs, Holiday, Land O’Lakes, Tampa, St. Petersburg, Largo, Hudson, and more for Foreclosure Defense.

If you are facing foreclosure or have already been served with foreclosure papers, it’s important you consult an attorney immediately. Don’t sit back and let the bank take advantage of you. If you do nothing, not only will you loose your home, but you could be facing financial and emotional devastation.

Why bother? What can an attorney do for me?

  • A foreclosure defense attorney can respond on your behalf to the foreclosure lawsuit within the required 20 day filing period to ensure your rights are protected.
  • There are many alternatives to foreclosure. It’s important to discuss your individual situation with an attorney to explore these options and decide which one will work best for you.
  • These alternatives include but are not limited to a possible Short Sale, Deed in Lieu, Bankruptcy, Loan modification and in certain cases fighting against predatory lending and “truth in lending” violations, etc.

Homeowner’s need to know that there is hope and they are not defenseless against the bank. We understand how upsetting your situation may be and we want to help you in any way we can. Doing nothing will certainly put you out of your home and ruin your credit. You could be facing deficiency judgments, further collection activities and may not be considered a qualified renter once the bank evicts you. Stand up for your rights and call us immediately.

Loan Modification – Usually the best option for most homeowners. Even if you have already been served with foreclosure papers, believe it or not now is the best time to negotiate a loan modification. This process can be grueling and you will probably get lost in a pool of customer service and/or collection agents that are not willing to work with you as an individual. Our attorney’s can work directly with the bank to prove hardship on your part. The benefit to this is you get to stay in your home and may be able to modify your loan to lower your payment, interest rate and other terms of your loan.

Deed in Lieu – This is where you basically just “give: the property back to the bank via a “Deed in Lieu of Foreclosure”. This process still has to be negotiated and approved by the bank as in a short sale, but is usually a lot less hassle. The benefit of this is avoiding an actual foreclosure and eviction on your credit.