Whether you are a homeowner facing foreclosure or a lender seeking to foreclose, our attorneys have experience on both sides of the dispute. At Florek & Counsel we specialize in foreclosure prosecution and defense, providing expert legal representation to ensure your interests are protected.
Foreclosure Defense
If you are facing foreclosure, you may feel overwhelmed and uncertain about your options. Rest assured, we will work diligently to defend you against wrongful or predatory foreclosure practices. We understand the emotional and financial strain that foreclosure proceedings can cause, and we are here to help you navigate this difficult process.
Our Foreclosure Defense Services Include:
- Challenging the Validity of the Foreclosure: We investigate whether the lender has the right to foreclose, ensuring all legal requirements are met.
- Loan Modification and Debt Restructuring: We negotiate with lenders on your behalf to modify your loan terms or find alternative solutions to avoid foreclosure.
- Bankruptcy Protection: In some cases, filing for bankruptcy can provide relief from foreclosure. We help you determine if this option is right for you.
- Defending Against Deficiency Judgments: If your lender seeks a deficiency judgment after a foreclosure sale, we provide legal representation to best minimize or eliminate this debt.
- Mortgage Fraud Investigation: If you believe your lender engaged in fraudulent practices, we will investigate and take appropriate legal action.
Foreclosure Prosecution
If you are a lender or financial institution seeking to recover on a defaulted loan, our foreclosure prosecution services will ensure that your rights are aggressively pursued in a legal manner. We guide you through the entire foreclosure process, from initiating the lawsuit to finalizing the sale of the property.
Our Foreclosure Prosecution Services Include:
- Filing Foreclosure Lawsuits: We file and prosecute foreclosure lawsuits on behalf of lenders to recover the owed debt.
- Judicial and Non-Judicial Foreclosure: Depending on your situation, we will determine whether a judicial or non-judicial foreclosure process is appropriate and represent you accordingly.
- Recovery of Outstanding Debt: In addition to the foreclosure, we pursue all available avenues to recover the outstanding loan balance.
- Managing the Foreclosure Sale: We oversee the foreclosure sale process to ensure it is executed in compliance with the law, protecting your interests and helping you recover the maximum value.
- Deficiency Judgment Pursuit: If there is a remaining balance after the foreclosure sale, we pursue a deficiency judgment to recover any remaining debt.
Why Choose Us?
Our attorneys have extensive experience handling both foreclosure prosecution and defense cases. We are committed to providing personalized legal solutions based on your unique circumstances, whether you are trying to protect your home or recover on a defaulted loan.
What Sets Us Apart:
Expert Legal Knowledge: Our attorneys are well-versed in residential and commercial foreclosure laws and stay up-to-date on changes in local, state, and federal regulations.
Tailored Solutions: We offer customized legal strategies designed to achieve the best possible outcome for each client.