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At The Law Firm Of Kevin Stuart CavanaughAttorney Kevin Stuart Cavanaugh

My commitment to excellent client service begins with the free consultation and doesn't end until your case is resolved. If problems arise, you can be sure that I will handle those problems personally. I believe in being both responsive and dedicated to my clients, because my clients deserve nothing less. Since every case and client is different, I often utilize creative solutions to solve my clients' problems.

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DO YOU NEED FORECLOSURE DEFENSE?

If you are or about to be sued in foreclosure, don't lose hope. You can still hold on to your residence. Our recent economic decline has caused many United States residents to become a foreclosure victim. Many have found themselves behind schedule on their mortgage payments. Adjustable rate mortgages and sub-prime loans in addition to economic difficulties thanks to job loss have left droves of owners trapped. Tens of thousands of people are suffering through this same grueling calamity.

Contact a foreclosure defense lawyer immediately if you are at risk of becoming a foreclosure victim. You are at larger risk of losing your house, the longer you procrastinate to contact an attorney for assistance. By taking legal action as soon as possible, your choices are still open. Foreclosure defense attorneys are there to protect your dwelling, and assist you to stabilize your family's economic security.

To collect monies from house owners, it is believed that several banks have used deceitful or illegal methods. Many times the identical creditors fail to follow state and federal requirements when attempting to foreclose homes. Experienced foreclosure defense attorneys have created a strategy to productively defend owners, prevent foreclosure and hold the creditors responsible for their deceitful and illegal acts. It is not uncommon to mandate these lenders to pay for damages and attorney fees and costs. Unfortunately many homeowners are working on loan modifications by negotiating with their banks in good faith; and then their homes to foreclosure at a later time. For these reasons it's imperative to retain legal counsel so as to protect your rights as they relate to keeping your property. Don't place your trust within the hands of a creditor representative stating you won't be foreclosed on and swears that you qualify for a loan modification. Legal documentation from an experienced legal representative most certainly is a must so as to safeguard your house.

Even if you're in arrears on your loan, a foreclosure defense lawyer will fight to shield you against a lender who is overzealous to foreclose on your property. If a homeowner tries not to respond to the foreclosure action, the bank can have the courts grant a ruling and take away the home from the homeowner, typically inside of a few months. In several ways a law firm will forestall you from having to pay your mortgage while you expect a loan modification agreement to be settled together with your lender. It's advisable to hire a foreclosure lawyer defend the homeowner from a foreclosure judgment whether or not they intend on keeping their home. There are far better ways in which to return your property without totally ruining your credit. Protecting yourself from future bank actions is really necessary too. For example, if nothing is done to shield the owner from a foreclosure judgment, the lender can take the home, sell it, and still sue the initial owner for any deficiency after the sale is complete.

Those facing foreclosure typically look to the option of a Loan Modification. Modifications involve a reduction within the principal balance of your residence loan, a reduced interest rate on the loan or an extension of years to re-pay the loan. Lenders frequently are much more apt to modify your mortgage because the actual price of doing this is way less than the cost of a contested foreclosure ruling.

An attorney will diligently seek a number of the subsequent doable resolutions with the lender:

a) Principal Reduction
b) Reduction of Interest Rate
c) Short Sale - the lender allows for your property to be sold for less than what is owed
d) Deed in Lieu of Foreclosure - the deed is transferred to the lender in exchange for release of payment obligations

Foreclosure could be a tough and stressful process that can be difficult to face. Without an experienced lawyer who knows how to stop foreclosure you'll lose your home. A successful defense will save your home, assist you to gain monetary stability and give relief without the need to file bankruptcy. However, if bankruptcy is in your best interest to protect your dwelling; your defense lawyer will guide you through that entire method as well.

If you are facing foreclosure do not hesitate to phone a foreclosure attorney. When acquiring legal defense, guarantee that your counsel is experienced with foreclosure lawsuits and that the fee you've been given includes defense of your case in court.

SHORT SALE

A short sale typically is executed to prevent a home foreclosure. Often a bank will choose to allow a short sale if it believes that it will result in a smaller financial loss than foreclosing. For the home owner, the advantages include avoidance of having a foreclosure on their credit history. Additionally, a short sale is typically faster and less expensive than a foreclosure.

BENEFITS OF A SHORT SALE

If you are behind in your mortgage payments and need to sell your house, we can assist you in negotiating with your lender and lien holders to get your home sold. We are short sale real estate experts and can help you:

  • Mitigate the foreclosure
  • Sell your house at the highest price
  • Incur the least amount of damage to your credit and finances

Contact Me

The Law Firm of
Kevin Stuart Cavanaugh


7111 W. 98th Terrace
Suite 140
Overland Park, KS 66212-6158

Office: 913-387-3193
Cell: 913-290-0938 Text Enabled
Fax: 913-387-3194
email: cavlaw44@gmail.com

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