It is primarily utilized when an individual homeowner does not live in the foreclosed property. Service by publication occurs when the lawyer notifies the homeowner by publishing the foreclosure complaint in a local newspaper where the foreclosed property is located. Substitution service occurs when a process server hands the complaint to a relative living in your home. Service simply means that a copy of the complaint must be served by: (1) Individual service. Individual service occurs when the lawyer’s process server hands you the complaint at your home or work. We can help whether it is before the foreclosure action is filed, after it is filed, and even after final judgement.Īfter the complaint is electronically filed with the clerk of court, your lender will attempt to “ serve” you with the foreclosure law suit. That is why a mortgage foreclosure defense lawyer is necessary. Homeowners who’ve made payments on loan modifications have been forcibly removed by the sheriff when financial entities and their lawyers are concerned only about their bottom line and not the law.įinancial institutions and their lawyers use the court system as a sword. Homeowners who’ve had the money to save their home were evicted. The phone calls, threatening letters, and unannounced representatives from your lender can be unbearable and intrusive.Īll too often we have seen homeowner’s rights trampled when there is not a proper defense presented. Whether it's due to medical bills, loss of income, or death of a spouse, we understand. Most homeowners have fallen behind on their mortgage payments.
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