Summary
In Texas, mortgage companies can refuse payments if youre significantly behind, especially if foreclosure proceedings have started. Since youre 14 payments behind, its crucial to engage in loss mitigation to avoid foreclosure. Ensure you have all necessary documents, maintain communication with your lender, and explore options like loan modification. While not mandatory, having a legal advisor can be beneficial in navigating this process. Look for a lawyer with experience in real estate and foreclosure law, a good reputation, clear communication, and transparent fees. Consider connecting with local lawyers for personalized assistance.Full Conversation
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I'm sorry to hear that. Since you're * payments behind, it's quite serious. The mortgage company may have started foreclosure proceedings. Have you received any foreclosure notices?
No we are in rhe middleof loss mitigation
Got it. It's good to hear you're in the middle of loss mitigation. This process can help you avoid foreclosure. Here are a few things you should consider:
- Documentation: Make sure you have all necessary documents ready (e.g., income proof, hardship letter).
- Communication: Stay in regular contact with your mortgage company.
- Explore Options: Ask about all available options like loan modification or repayment plans.
Do you have a legal advisor assisting you with the loss mitigation process?
No, should we ?
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While it’s not mandatory to have a legal advisor, it can be highly beneficial when dealing with loss mitigation and possible foreclosure. An attorney can help you understand your options, negotiate on your behalf, and ensure that your rights are protected.
Would you like more information on how a legal advisor can assist you in this process?
Yes
Case Rating: *
Having a legal advisor can be highly beneficial in your situation. They can help negotiate with your mortgage company and explore all possible options to avoid foreclosure. Would you like to be connected to local lawyers who can better assist you with your case?
Yes, but what should we look for in a lawyer to help us
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When looking for a lawyer to help with mortgage issues and loss mitigation, consider the following:
- Experience: Ensure they have experience in real estate and foreclosure law.
- Reputation: Check reviews and ask for references.
- Communication: They should be responsive and clear in their communication.
- Fees: Understand their fee structure upfront.
Would you like to be connected to local lawyers who can better assist you with your case? If so, can I get some more information?
What is your phone number?
Yes please.
Case Rating: *
Great, it looks like this might be a high-value case. I'll need to gather some more information to connect you with local lawyers who can assist you.
What is your phone number?
*-*-*
Case Rating: *
Would you like to be connected to local lawyers who can better assist you with your case? If so, can I get some more information?
What is your name?
Sarah Denham
Case Rating: *
Great, Sarah! It looks like this might be a high-value case. I'll need to gather some more information to connect you with local lawyers who can assist you.
What is your zipcode?
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Case Rating: *
Thanks, Sarah. I just need a brief description of your legal issue to proceed with connecting you to local lawyers. Could you provide that information?
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