A Bankruptcy and Debt Relief Lawyer and Attorney Andy Miofsky

2249 Pontoon Road, Granite City Illinois 62040


An Illinois Bankruptcy Lawyer and Attorney 618-931-1313 Offering Chapter 7 and Chapter 13 Bankruptcy Attorney information in Madison, St Clair & Southern Illinois counties

Foreclosure Defense

               DUE TO INCREASED DEMAND I HAVE CREATED A NEW FORECLOSURE DEFENSE WEBSITE
                      PLEASE VISIT WWW.ILLINOISFORECLOSUREATTORNEY.COM FOR MORE INFO


KNOW YOUR FORECLOSURE RIGHTS


Illinois foreclosure procedure requires the filing of a Summons and Complaint in a judicial state court.  You are entitled to receive notice of the lawsuit and you are given an opportunity to present your case to the Judge.

Most foreclosure cases in Illinois are filed by foreclosure mills, large Chicago area law firms that specialize in foreclosure.  They file the court papers from their northern Illinois office and hire local attorneys to appear in court and process the file.  You can exploit this weakness because often the local firm has not studied the file.

Many people do not contest the foreclosure case because few attorneys offer legal representation in this area.  Often people are unable to formulate a strategy to respond to the Complaint by themself.  Get some help.

YOU HAVE RIGHTS!

You are entitled to see a copy of the mortgage and loan documents.

You are entitled to receive an accounting of all payments credited to your account.

You are entitled to a hearing on the reasonableness of all fees charged to you.

You are entitled to loss mitigation, a fancy word that means the mortgage company must work with you to try and save your home by taking some action to rework or modify the loan in your favor.

You are permitted under law to redeem the property from the foreclosure.

MAKE A PLAN

Contact a foreclosure defense attorney to help you plan your defense.

Save your money to pay toward a loan modification.

Save your money to begin making future mortgage payments.

Be proactive, defend your rights and protect your property.

DON'T BE FOOLED BY SLICK TALKING MORTGAGE COMPANY REPRESENTATIVES

The mortgage company employees do not work for you and are not your friend.  They get paid to get your money or take your property.  They might tell you they will work with you, while your foreclosure rights expire.

Do not fall into their trap.

Many people report spending weeks trying to rework their loans, only to find out at the last minute that the mortgage company will not qualify them for the modified loan.  By this time, they have little time or hope to save their property from the judicial sale.

Do not fall into this trap.

Your foreclosure time limits are not suspended while you are talking to the mortgage company.  The court case proceeds on its own calendar.

Pay attention to the time limits imposed by the court and protect your rights.


Andy Miofsky is available for a free consultation regarding your foreclosure case.

www.IllinoisForeclosureAttorney.com

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