We do not require a retainer. Fortunately, when the Pandemic hit us in March 2020, we had already been a paperless office for many years with two cloud based case management systems. However, the Pandemic propelled us to make many improvements to our client service protocols, retainer requirements, direct calendaring, electronic exchanges and remote systems being some examples. This has allowed our firm to concentrate more on client service and less on wasteful antiquated management systems. If you entrust us with your family law matter, you'll be in excellent hands.

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Debunking the Top Foreclosure Myths 

Foreclosure Lawyer

Just as the housing market was starting to recover fully, the pandemic hit, leaving thousands of people being laid off from their jobs. This meant that these people were unable to pay their mortgages, even though certain lenders were offering different options. 

With so many people unable to make their monthly payments, they were potentially facing foreclosure. Just the word alone can bring a child to anyone’s spine. It is important that homeowners know and understand all the common foreclosure myths that are out there. It can save you time and worry knowing that behind this big and terrifying word, there are things you can do before it happens. Below you will find the top myths. 

The Main Reason for Foreclosure Is Financial Irresponsibility 

False! While it is easy to think that someone cannot pay their mortgage because they made some poor financial decisions, it couldn’t be farther from the truth. Especially when the pandemic hit, it showed that extenuating circumstances can arise that are out of the homeowner’s control. The truth is, homeowners have already proved they are responsible by being approved for a mortgage in the first place. If a home ends up in foreclosure, it is unlikely that it was because there was some financial irresponsibility. 

The Foreclosure Process Starts After One Missed Payment

While you don’t want to ever miss a mortgage payment, as it can make it challenging to catch up, one missed payment will not start the foreclosure process. Many homeowners assume that their lender will start the foreclosure process after they miss one payment. In most cases, lenders will wait until there are at least three missed payments before they start the foreclosure process. 

Lenders Want to Foreclose 

Lenders send multiple notices to the homeowners before starting the foreclosure process. Because of this, many people feel that lenders are eager to foreclose. This simply isn’t the case and often foreclosure costs them money. Like any business, they want to keep making money, and a foreclosure simply doesn’t allow for that. 

Nothing Can Stop Foreclosure Once Homeowners Miss Payments 

Remember, lenders really don’t want to go through the steps of foreclosure. This means they are usually willing to work with homeowners to come up with a solution. There are many defenses available in foreclosure cases. It is why many people turn to a foreclosure lawyer to learn their options and have them represent them in cases. If the lender starts the process, it is often a good idea to invest time in a lawyer. They can help you learn your options and what your next steps will look like. 

No one wants to end up in a foreclosure, and that includes the lenders. We know it is a daunting word and process. That is why we suggest finding a foreclosure lawyer, like our friends at The Law Offices of Ronald I. Chorches, for an experienced hand and information about what this process is likely to bring to you. 

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