Foreclosure Process

'You don't have to deal with foreclosure alone; come speak to us.'

'You don't have to deal with foreclosure alone; come speak to us.'

The pre-foreclosure process begins when the homeowner fails to make a timely monthly mortgage payment.  Generally, a failure to bring the entire mortgage current, including partial payments, late fees, etc. within 90-days will result in the loan becoming non-compliant and turned over to the collection/loss mitigation/foreclosure department.  If the loan payments are not reinstated in full, then any partial payments that your lender receives are placed in a suspense account and not returned to you.

Under the terms of the lender’s mortgage the lender can file a law suit in the County where the property is located to claim its collateral.  That collateral is your property.  This is the part of the foreclosure process that is called the foreclosure law suit.

We strongly believe that it is imperative and neglectful when defending a foreclosure law suit to fail to have a strategy or end game plan.  That strategy can be, for example, retaining the property through a loan modification or you choosing not to retain the property and proceeding with a short sale.  There are lender incentives of $1,500 to $20,000 for some homeowners who choose to do a short sale.

See disclaimer page for additional information regarding the foreclosure process.

Call us for a free consultation at our toll free number 1-866-285-1114 or complete the contact us form on this site. We are multi-lingual with the ability to communicate in English, Spanish, and Portuguese.

What Clients Are Saying About Us


“I am writing to say ‘THANK YOU’ for the efforts and patience of you and your dedicated team in making this process a success.” ~ Kimberly M.

“Thank you. You made a difference. May blessings be showered upon you daily!” ~ Nancy K.

“The Family Counseling Law Firm headed by Attorney Howard Ullman and his dedicated staff has my undying gratitude for their hard work in favorably resolving my troublesome and complicated mortgage situation. I wholeheartedly recommend their services to whoever is facing mortgage or foreclosure problems, for they have proven to me that their creed is honesty, integrity and old-fashioned hard work.” ~ George G.