The best way to increase your chances of successfully fighting a foreclosure is to work with a qualified Miami foreclosure defense attorney. However, working with a lawyer isn’t free, or even necessarily cheap. Given the fact that a financial struggle usually precedes one falling behind on mortgage payments, the idea of paying for an attorney’s assistance can be unwelcome and even frightening. Yet, that does not negate the importance of having legal representation.
So, how can you enlist an attorney to defend your foreclosure case without winding up even further in debt? We have three tips.
Don’t Get Sticker Shock
When you are drowning in debt, taking on any extra costs can be scary. However, it is essential to consider the ramifications you could face without fronting such costs. When you weigh the pros and cons, it is usually far costlier to face a foreclosure without an attorney. You might encounter excessive fees, and could miss out on loss mitigation options that might help you avoid foreclosure entirely. Plus, if you miss out on key deadlines and you forfeit your right to fight the foreclosure, or worse, your rights are infringed upon by the lender during the process, the cost of foreclosure could be more than any dollar amount can measure.
Understand the Payment Structure
With that said, the importance of enlisting an attorney does not mean you have to go with any lawyer available. It is important to take time to understand the law firm’s payment structure, and compare rates against other comparable firms. You can get information pertaining to costs during a (usually free) consultation. For instance, during our free consultations, we advise all prospective clients of the fees, how those fees will be paid, and even whether there are options available to them short of legal representation that will prove effective in terms of cost and results. In our case, we charge a small introductory fee followed by low monthly payments to those who we think will truly benefit from our representation. Others, however, might elect to charge hourly fees, which add up quickly and can make it hard to predict the actual cost.
Never Sacrifice Quality Representation
Just as in any area of life, if an offer seems to good to be true, it probably is. You may come across a cheaper attorney who promises to deliver, but failing to vet him or her properly could be detrimental to your case. Unfortunately, it is not uncommon for a lawyer to take that fee and do only the bare minimum — or worse, nothing at all — to defend your case. We urge you to use the consultation to ask prospective attorneys questions, learn more about their case history, and find out how their fee will benefit you. Having an attorney could allow you to remain in your home longer, avoid a deficiency judgment, and even avoid foreclosure altogether, so don’t skimp on the cost or settle for anything less than the best.
If you are in need of a Miami foreclosure defense attorney, our team is here for you. Call us today to schedule a free consultation where we can ensure we are a good match, and begin seeking justice, together.