What Are Your Homeowner Rights?
As a homeowner, you have rights during a foreclosure. California's Homeowner Bill of Rights (and many other State and Federal laws) protects you from certain behaviors and practices by lenders that make it difficult to resolve issues with mortgage payments. Some of these rights include:
- Verified documents: Your lender's documents must be verified. If they are not, you may take legal action against him or her.
- Single point of contact: You have a right to speak with the same person or group during the process to ensure your contact is familiar with your situation.
- Halting during loan modification: If you are applying for a loan modification, lenders are required to stop the foreclosure until further notice.
- Warning of an eviction: If you are going to be evicted from your home, you must be given notice at least 90 days in advance.
Do You Need Legal Protection?
Some lenders try to take advantage of homeowners, assuming they do not know their rights. Even if you are unsure whether your rights are being violated, it may be a good idea to talk to a lawyer. Foreclosure can be a life-changing event and you want to prevent it if at all possible.
At Sullivan Law Group APC, we understand how the process should go and how to defend you. We can find any violations of your homeowners' rights and litigate against your lender if needed.
We Offer Guidance Through Foreclosures
A foreclosure proceeding does not necessarily mean you will lose your home. You have time to take action against it.
Our attorneys can work with you to find the right option. A loan modification allows many individuals or families to better manage and afford mortgage payments, which removes the need for a foreclosure. Modification involves quite a bit of paperwork so we will help you apply successfully if it is the right option for you.
We offer free consultations. Please email or call us at 619-702-6760 to get started. Our office is in San Diego. We serve San Diego County, Imperial County, all of Southern California and routinely handle cases in all State and Federal Courts in California.