When you are faced with foreclosure, the first thing you need to do is assess your options. If your lender is willing to work with you on a solution that will help you keep your home, then consider yourself lucky and you must hop on that chance to prevent the foreclosure process from even starting.
However, if you find yourself in a financial state that seems to have no bright future in the coming months or if you think that your lender is not following the correct steps in the foreclosure process, then the best thing for you to do is find a Long Island foreclosure attorney who can help protect your rights as a homeowner and defend you in the court of law as you try to save your home. However, since this must be your first time to be slapped with a foreclosure notice, you may not know how to find a good Long Island foreclosure attorney. Here are some tips that you can follow.
Find a Local Bar Association
An organization for lawyers can easily refer someone to you based on your needs. Ask for a lawyer that has a specialization on foreclosure law and have been practicing it for some years now. Just explain to them your situation so that they will be able to provide accurate referrals. Do not be ashamed or embarrassed to talk about your foreclosure problem. These professionals have dealt with similar cases before and know very well how to handle them properly.
Referrals from Colleagues
If you know a friend or a relative that has went through a foreclosure process and was able to save his home, then you may want to know who his lawyer is. Chances are he can win your case as well.
Set Up a Meeting
Once you have gathered a few names of foreclosure lawyers, call them to set an appointment. Remember, you are not hiring them yet at this point, so a lawyer who insists on charging you for this meeting should be immediately dropped from your list. The main purpose of that visit is for you to ask questions about their experiences, success rate, and fees. You can explain your situation to them during the meeting so that they can assess if they will be able to help you.
Honest lawyers will refer you to an expert if they see that your particular case is beyond their scope. In terms of fees, you know that you are already tight on the budget that is why you ended up receiving a notice of foreclosure, so it is just normal to find a Long Island foreclosure attorney who will charge you reasonably. These lawyers understand your situation as well and may suggest various payment terms to you. Study them carefully and pick a lawyer that has both the expertise and the affordability that matches your situation.
Pick a Suitable Lawyer
Your meeting with your prospective lawyers will give you a good idea of who to hire. Aside from expertise and affordability, however, be observant of what the lawyer says to you too. Look for honesty. If a lawyer tells you right away that he can save your home without asking for your records or the causes that led to the filing of foreclosure, then turn your back and go to the next one on your list. With perseverance, you will eventually find a good foreclosure lawyer who can save your home or even just buy you time to stop the forfeiture of your property while you try to get your finances back together.
Just follow the above tips and you will increase your chances of finding a good Long Island foreclosure attorney. Before you start your search, however, it will always be wise to prepare all your supporting papers and talk to a certified HUD counselor too because he or she can help you with the preparation and give you very sound advice on your situation.