Foreclosure

Stop Foreclosure

We help clients stop foreclosure — and we help people determine the best exit strategy for preserving their credit ratings and making a fresh start.

Depend on Us

Our attorneys and staff work for you, and we want the best outcome in your foreclosure defense case. This can involve talking through your overall financial situation and the decisions you must make about staying in your home. Contact us today for the legal help you need.

We will help you consider all angles in your decision-making process. Is it financially prudent to enter into a forbearance agreement when you are upside down in terms of equity in your home? Is it practical and prudent to stay in your home? Are you trying to buy back equity that no longer exists?

At Ryan & Schwarz/LLP, we take a comprehensive view of both your financial position and the value of your home to determine the best strategy. In other words, we will counsel you to think through the repercussions of all legal strategies.

Don’t Do It – This is a Mistake- Be Careful

Providing your financials to the bank trying to foreclose or collect is usually not helpful to your problem. It gives the bank all your personal, financial details. They are COLLECTORS. If you tell them where all of your income and assets are, that provides them with COLLECTION TOOLS to be used against you and either approve or reject your modification request if it’s not done properly!

It also diverts you from pursuing your defense options, which are often your best options. If, instead of actively raising your defenses, you are trying to work with the bank to pursue loss mitigation, you will lose your right to defend. By the time you get loss mitigation offers (if you ever do), and realize that the offers are not affordable for you, you will have lost the right to file defenses and counterclaims.

Remember one thing: The lender hired an attorney to use every legal option available to collect money and get you out of your house to auction it off. You retain us to make it a fair fight and to use every legal option available to stop that from happening.

Don’t Play by the Bank’s Rules

• We know how to play by the rules… for your benefit.
• We have mortgages just like you and for the same reason you do, we didn’t inherit money and we are not going too!
• We feel the same way you do about the banks and we try to show this in our work every day.
• When Willie Sutton was apprehended for bank robbery and asked why he robbed banks, he said: “because, that’s where the money is.”

Don’t Try to Go it Alone and Don’t Give Up the Fight!