Foreclosure Defense

Richmond, Kentucky, Foreclosure Defense Lawyer

All across Kentucky, individuals and families are facing the threat or fast-approaching reality of home mortgage foreclosure. We understand your problems may be caused by multiple factors, such as:

• An unfavorable loan or mortgage terms you did not fully understand
• The mortgage debt on your home is greater that the property’s value
• Lost household income, often due to a reduction in overtime or wages in your current position
• The rising costs of essential items including fuel and food have depleted the resources you used to depend on for maintaining your mortgage payments

It may not help much to know that times are also tough for others. What can make a real difference is your decision to contact Susan B. Martin, Attorney at Law — as soon as possible — to explore foreclosure defense possibilities you may not have known existed.

Fighting for You in Cases of Predatory Lending and Loan Servicing Violations

Experienced attorney Susan B. Martin and our staff are very familiar with the laws in place to protect you if you have been victimized by unfair lending, predatory lending practices, excessive fees in loan servicing or unfair collection practices.

We will thoroughly evaluate all your closing documents to determine if a lender or broker may have violated laws such as:

• The Truth in Lending Act (TILA)
• The Homeowner Equity Protection Act (HOEPA)
• Other laws covering negotiable instruments and deceptive practices

We will review your mortgage payment history to determine whether you have been charged excessive fees, late charges, inspection costs or similar fees by your mortgage lender or mortgage servicing company.

Negotiating or Going to Court To Protect Your Future

We will look at all angles for you, including determining whether the party taking action against you has the legal right to file a foreclosure lawsuit. We will help you evaluate the best course of action for your future. Some of our approaches include:

• Exploration of all legal options for people in default or having other problems with either conventional or government agency-guaranteed loans
• Pre-lawsuit mortgage workouts
• Deed in lieu of foreclosure to avoid further credit rating damage
• Litigation against lenders and brokers, including actions based on lending violations and servicing problems
• Investigation and correction of mortgage payment accounting
• Dealing with tax liens and bankruptcy adversary proceedings

Every pending foreclosure is unique. So is each individual or family's overall financial situation. We provide aggressive, resourceful foreclosure defense — and full-service assistance with other legal actions including consumer bankruptcy — for people throughout eastern Kentucky. Please contact us today for the knowledgeable legal counsel you need.