Foreclosure in Hampshire County has become a problem for many families. You aren’t alone. There are professionals trained specifically to help you, no matter your circumstances. This is a process that is dangerous to navigate alone so make sure you reach out for help as soon as there’s a problem. You shouldn’t have to walk away from the equity in your home because you’ve fallen behind on your mortgage.
Navigating Legal Waters
Like it or not, foreclosure is a legal situation and you can bet your mortgage company is prepared. They have a whole team of lawyers who go through the foreclosure process on a robotic-like regularity. They know exactly what forms to file, when to file them and what loopholes they can use to get the most they can in as little time as possible.
The rules have changed. It used to be that foreclosures could wait for months or years 
while homeowners could live payment free. The housing crisis put this in motion, but the major problems with banks have been handled now. Foreclosure in Hampshire County has become a streamlined process that moves as quickly as the courts allow.
Don’t Bet on Your Court Date Buying You Time
At the start of the foreclosure process, you may receive a court date that is a year or more down the road. In order to prevent homeowners from taking advantage of clogged court dockets, the law allows for mortgage companies to file for summary judgments. These are largely informal proceedings, often held over the phone, where a judge determines whether you really have anything to substantiate waiting until your court date to prove whether you’re in the wrong.
Working with a company’s mediation department is not a guarantee you’ll get away from this meeting unscathed. Unless you have representation, you may have a month between the establishment of your court date, your summary judgment hearing and the loss of your home. For this reason, it is especially important to find a legal professional with experience in using other methods for solving or stalling foreclosure in Hampshire County until you can find a solution that works for you and your mortgage company. In fact, when using a lawyer, you may find the foreclosure process never makes it to the court to begin with.
Looking for a way out of foreclosure in Hampshire County MA? For expert advice
