If your lender is threatening to foreclose, or even if you have already had papers filed against you, it may not be too late to save your property. Once you have been served with court papers, you have only a few days to fight back and stop your home from being sold. The longer you wait, the harder and more expensive your fight may become and you may be deemed to have waived your rights to some or all aspects of your foreclosure defense. Even if your sale date is just days away, in some cases it is still possible to stop the sale and keep you in your home. We highly recommend you contact us as early as possible in the process to protect your rights to the fullest possible extent of the law.

Borrowers should also be aware of lenders that continue to negotiate with them, while they also proceed with their foreclosure action. Many borrowers fail to defend against their lender's foreclosure actions based on false representations and false hopes that their lender will work with them and not pursue a foreclosure. This is called 'dual-tracking'. While expressly prohibited by Making Home Affordable guidelines, this practice still persists.