Foreclosure/ Ejection
The goal of Alabama Consumer Lawyers is to protect your rights and do everything we can to keep you and your family in your home. A mortgage company cannot just simply tell you to get out if you have missed a few payments. The process of foreclosure and ejection takes months and we will work with you at every step of the way. Contact Alabama Consumer Lawyers at (205) 322-1201 or through our contact page for a free consultation.
If you have been sued for ejection, that is when the mortgage company essentially says you have to leave your home, the most important first step to staying in your home is to respond to the lawsuit. Responding tells the court that you disagree with what the mortgage company says and want to challenge it. Without responding, you can be forced out of your home even if the foreclosure and ejection was done unfairly.
There are many steps where mortgage companies can make mistakes, either accidentally or in some cases deliberately as they try to rush foreclosures. We know where to look for problems and we can use those mistakes to keep you in your home.
After we fight to try and stop your foreclosures and/or your ejection, we can work with you and your mortgage company to reduce how much you are paying on your home’s mortgage. That can be done by reducing the principal, the interest, or both so that you can better afford to stay in your home.
In Alabama there is also a “right of redemption.” That means that even if you are forced from your home, you can reclaim it up to 12 months later if you can pay the entire debt plus costs. That may not be an easy thing for many homeowners to accomplish but it does show how there are options at nearly every step in the process that could keep you in your home.
This is just a broad overview of how we try to keep you in your home and to get a better idea, call us at (205) 322-1201 for a free consultation. We will talk with you about your rights and your options as you fight to stay in your home. You can also contact us via our contact page and we will respond as soon as possible.
