For any person or family that is facing the possibility of foreclosure this can be a very scary experience. It is very difficult to even think that a person’s house may be lost. The good thing is that there is a lot of help available from just about every angle that is intended to help a person or family keep their home. The last thing that any person wants, including the banks, is to have to foreclose on a home. Not only is this difficult but it is also expensive to all parties to foreclose on a home. One option that people in Virginia can turn to when it comes to foreclosures is to turn to a lawyer that handles foreclosure in Stafford, VA.
Getting Organized
Now before any person reaches out to a lawyer, they must first get all of their finances organized. This does not mean that the loans or debts need to be made current. All this means is that a person just needs to gather all of their outstanding debts. In addition to all of the debts, a person also needs to gather all proof of income that they are receiving. This includes paycheck stubs, rental property agreements, etc. In addition to all of the items for proof of income, a person also needs to calculate all of the monthly household expenses.
Writing a Letter
After a person has gathered all of their financial documents and proof of income, a person needs to then take the time to sit down and write a brief letter that explains how a person got to where they are. They need to explain why they fell behind in their mortgage payments and if this is a temporary problem or a more permanent problem. All of this will be presented to the foreclosing officer.
Getting a Referral
When it comes to hiring a lawyer for foreclosure in Stafford, VA a person needs to first take the time to look for referrals. There needs to be a bit of research done on potential foreclosure lawyers and their reputation for help their clients on these particular issues. What can help even more is if a person can get some testimonials or referrals from past clients. First hand experience is by far the right way gauge whether or not a law firm is a good one to hire or not.
The most important thing for any person to remember is that if they are possibly facing foreclosure, the sooner they seek help the better. There are a lot of options available. Practically everyone wants to help people stay in their homes if at all possible. Everyone wins when this happens. Many people are surprised at what is available.
