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The Football Approach to Foreclosure

The Football Approach to Foreclosure
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Football season is in full swing, and while most Americans are fully aware of how their favorite team is performing, many may be surprised that there are aspects of their favorite game that can be applied to the foreclosure process. It may sound crazy at first, but you can actually learn a thing or two about successfully defending a foreclosure action from this popular sport. Here are some lessons from football that can be used to fight foreclosure.

A Strong Defense is Essential

As the saying goes, “Offense wins games, but defense wins championships.” When served with a Complaint and Summons, you will need to consult a Miami foreclosure defense attorney quickly to determine whether a viable defense exists. This might include proving a lack of standing, legal violations, failure to follow procedure, or other defenses unique to your case. Similar to the defense on a football field, your attorney will aggressively defend you, as well as your rights. However, rather than getting physical, that defense comes in the form of clear evidence and dedication.

In some instances, it may be advisable to take the offensive, and seek out an alternative to foreclosure, such as loan modification or a short sale. An attorney can best advise you of the right approach to take for your situation.

Pay Attention to the Play Clock

Just as time can run out to snap the ball in football, the play clock can wind down for foreclosure suits as well. In some cases, that can be to your benefit. For instance, if the statute of limitations has been exceeded, your lender does not have the right to initiate a foreclosure. On the other hand, the play clock can hinder your ability to defend such action if you’re not careful. After being served a complaint, you only have 20 days to respond. Missing this deadline, as well as others throughout the foreclosure process, could prevent you from securing a favorable resolution.

A Qualified Coach is Key

Just like in football, fighting foreclosure is a team effort. However, that effort must be guided by a knowledgeable coach. In foreclosure defense, this person is your attorney. Your attorney will be responsible for helping you create the playbook for defending your case, so to speak. Not only will your attorney negotiate and litigate on your behalf, he or she will also guide you in the right direction regarding the appropriate course of action. Of course, an unqualified coach is unlikely to produce a winning team. Therefore, it is important to enlist an experienced attorney who you feel comfortable entrusting to argue your case. During your initial consultation, be sure to ask plenty of questions and learn more about the lawyer’s case history to make sure they’re a good fit.

At Graham Legal, we are committed to ensuring our clients understand the foreclosure process, while protecting their rights at every phase. To get guidance from a Miami foreclosure defense attorney at our firm regarding your case, contact our office and schedule a free consultation.

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