When you’re facing a foreclosure, you need someone on your side who is an expert in foreclosure defense in the Chicagoland area.

The attorneys at Chang Legal have years of experience in defending foreclosure cases. Choosing the correct defense attorney will give you a leg up in achieving the best possible outcome in your foreclosure suit.

To learn more about the foreclosure solutions and support provided by Chang Legal, contact us today at 847.907.4971.

If you fear that you’re going to be foreclosed on, there are a few steps that you should take right away. Because the sooner you act, the more likely you are to achieve a positive outcome; you should not waste any time taking action. First, contact the U.S. Department of Housing and Urban Development (or HUD) to find a HUD approved counselor in your area. HUD-approved counselors will help you to get your case organized. Your counselor will help you gather your paperwork, records, and communications to make sure you’re able to tackle your case, whatever the potential outcome.

A HUD-approved counselor can also help you to pursue a loan modification if you’re not in dire enough circumstances to be foreclosed on. Whether you’re able to pursue a loan modification or you end up going on to be foreclosed on, a HUD-approved loan counselor will get you organized, prepared, and aware of the options available to you.

If you’re in the Chicagoland area, contacting Chang Legal could be one of the strongest decisions you make during your foreclosure case. Our team of attorneys have years of experience in foreclosure defense. If you’re located elsewhere, listen to word of mouth, and contact legal aid services or your state’s Bar Association for a recommendation of a quality foreclosure attorney.

Beware of attorneys who over-promise; anyone whose claims seem too good to be true, likely are. If an attorney is promising to save your home without already having read the details of your situation is likely to under-deliver.

When you meet with your attorney for the first time, be sure to bring the documentation that you prepared with your counselor. Be prepared to tell your lawyer where you want to be, rather than focusing too heavily on what got you to where you are now.
After hearing about your case, your attorney will go to work preparing a strong defense on your behalf. He or she will try to find the issue, whether it is predatory lending, potential misleading behavior by your lender, issuance of a larger loan than you could afford, or other types of bad behavior on the part of your lender. During this time your lawyer may ask for a history of correspondence with your lender to determine whether your lender behaved appropriately and met the legal standards set forth by any conventional loan, modification, Home Affordable Modification Program (or HAMP), Federal Housing Act (or FHA), or other loan type. He or she is trying to find you the best possible solution by potentially challenging a foreclosure on procedural grounds, so it’s best that you give him or her all the support and standing possible.

Leave your foreclosure defense attorney’s office with a plan. This first meeting should always boost your confidence, as you’ve taken the first steps toward planning a successful financial outcome for you and your family.

There are several potential outcomes of a foreclosure defense case.

• Your suit will be dismissed. Though the most unlikely outcome, there are situations in which obtaining a foreclosure defense lawyer will cause your lender to dismiss the foreclosure case against you to avoid more costly legal proceedings.
• You will modify your loan terms during mediation. If your case goes to mediation you may be able to convince your lender to give you the option to modify your loan. Though you might not have this chance going it alone, contact from an attorney can often be motivational to your lender.
• Your property loss will be delayed. Though you may still lose your property, a foreclosure defense case can delay your foreclosure, giving you additional time to secure a sale, short sale, or to prepare yourself for the foreclosure.
• You lose your property. The most obvious outcome of a foreclosure defense case is that you do in fact get foreclosed on. This is the worst possible scenario. Even if you do lose your home, your attorney will likely be able to negotiate terms that are more favorable to you than you would have achieved on your own.