Legal Assistance in Preventing Foreclosure

Stage 1. Initial Situation Analysis and Client Consultation

Attorney's Actions:

• Analyzes documents related to ownership rights, liens, mortgages, or debts (e.g., mortgage note, foreclosure notice, lien statement).
• Evaluates the stage of the case (pre-foreclosure, notice of default, auction, etc.).
• Explains the client's rights and possible defense strategies (e.g., loan modification, bankruptcy, negotiation).

Stage 2. Developing a Defense Strategy Against Home Foreclosure

Attorney's Actions:

• Develops an action plan based on the circumstances: delaying the foreclosure process, negotiating with the lender, filing objections in court.
• If necessary — prepares preliminary applications to the lender (e.g., Request for Loan Modification, Hardship Letter).
• Provides recommendations on refinancing, protection under Chapter 13 of the Bankruptcy Code, or filing complaints with government agencies.

Stage 3. Representation in Negotiations with Lender or in Court

Attorney's Actions:

• Negotiates with the bank or loan servicer to stop the foreclosure process or restructure the debt.
• Files appropriate applications or motions with the court (Motion to Stay Foreclosure, Answer to Complaint).
• Defends client's interests at hearings, prepares written arguments, objections, and motions.

Completion time: depending on jurisdiction and case stage, from 2 to 6 weeks
Estimated cost: $2,000–$6,000 (hourly or flat fee, possible additional court fees)

Stage 4. Facilitation of Alternative Resolution Paths (Bankruptcy, Short Sale, Deed in Lieu)

Attorney's Actions:

• Advises on filing for bankruptcy (primarily Chapter 13) to preserve the home.
• Facilitates alternative resolution procedures: short sale, deed in lieu of foreclosure.
• Coordinates collaboration with other professionals: financial advisors, realtors, certified accountants.

Estimated Costs:

• Bankruptcy (Chapter 13): $3,000–$4,500
• Short Sale/Deed in Lieu: $1,500–$3,000

Stage 5. Case Completion and Post-Monitoring

Attorney's Actions:

• Verifies final decisions (termination of proceedings, court ruling, creditor agreements).
• Provides client with written instructions for next steps (e.g., compliance with restructuring terms).
• If needed - provides additional legal assistance in the future (monitored compliance).