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Prime Law Group handles all aspects of real estate law including foreclosure defense, loan modifications, assistance with short sales, assistance with deeds in lieu of foreclosure, HOA/COA assistance, unpaid property taxes, and much more.

If you have experienced a financial hardship, Prime Law Group can help. Contact us today for a free consultation as it’s the best move you can make to save your property.

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Falling behind on payments happens to the best of us as life has a way of throwing curve balls and Prime Law Group knows to expect the unexpected. Whether you got sick, suffered a loss/reduction of income, moved, had renters that stopped paying, or just forgot, Prime Law Group can help.

If you have fallen behind on payments, you must act now before things get worse. Contact Prime Law Group today to protect your property and your money.

Facing foreclosure or the prospect of losing one’s property can be overwhelming which is why it is paramount that you only work with credible and trustworthy firms.

Prime Law Group has over 100 years of combined experience in helping homeowners just like you with a variety of issues. Let our seasoned professionals help you navigate these tough times and get you to the other side successfully.

What Are the Common Causes of People Falling Behind on Payments?

Some of the more common reasons clients hire Prime Law Group is because they have experienced the following issues:

Examples include:

This is my no means an all-inclusive list but issues like these, and others, can make it impossible for homeowners to keep up with their payments.

Prime Law Group is comprised of seasoned and experienced professionals who help Florida Homeowners get back on track. When you contact Prime Law Group, we will examine all of the details of your hardship and work diligently to get your issue resolved.

Prime Law Group will exhaust every avenue and option to help you avoid losing your home and ensure that your best interests are protected.

How can Prime Law Group help me?

Prime Law Group will work on your file and the aim is to present many possible options that will allow you to keep your home. Our accomplished attorneys and support staff have years of experience and a thorough understanding of lending practices and laws.

The attorneys at Prime Law Group understand how to negotiate with banks, servicing companies, private investors, HOA/COA companies, and much more to ensure that a resolution is obtained for our clients which is both timely and affordable.

Loan Modification

The most common resolution Prime Law Group is able to obtain for its clients is a loan modification. The attorneys can renegotiate the terms of your mortgage by factoring in your current financial situation to ensure that the outcome is affordable.

A loan modification can stop the foreclosure process in its tracks.

However, not all lenders do loan modifications. In the event that you have a private lender or are dealing with missed payments for an HOA/COA, property taxes, etc. this is where it is vital to have an experience real estate law firm represent you to work on a different resolution.

Prime Law Group has a vast network of private lenders, banks, mortgage brokers, insurance brokers/agents, realtors and other professionals that can assist with paying off the past due amount or even paying off the entire loan and giving the homeowner a fresh start.

Prime Law Group has the background and experience necessary to provide its clients with the best chance to settle the past due balance and keep you in your home. Prime Law Group does not go to court and sue banks like many foreclosure mills out there. We use proved legal maneuvering and techniques to ensure that the necessary time is obtained to realize a successful resolution for our clients.

Are foreclosure cases ever filed wrong?

Lenders are human and they often make mistakes. Prime Law Group’s seasoned attorneys will review every document to ensure that the foreclosure case against you is valid.

Lending and filing violations

Lenders are required to follow laws too and sometimes the lender fails to adhere to the technical requirements of its own contract(s), including the mortgage itself. Lenders may even violate federal, state, or common law procedures leading to a foreclosure case being filed illegally.

If your lender broke any rules or filed documents improperly, the validly of all of your mortgage documents may be in question. The seasoned attorneys at Prime Law Group will review your situation to protect you from erroneous billing or foreclosure filings.

If it has been found that the lender made any mistakes, that is additional leverage to be used against the lender to ensure that your best interests are protected.

Does the lender have legal standing?

In order for a lender to make a claim for payment or file foreclosure, they must prove that they have the right to do so legally. If a lender is not able to prove that they actually own your loan, then they lack “standing.”

In other words, the bank must be able to provide evidence that it actually owns the mortgage it seeks to foreclose. Surprisingly, this is often not the case. When you hire a Florida Prime Law Group defense attorney, they will examine whether the foreclosing lender has legal standing to do so.

In layman’s terms, the lender must be able to provide evidence that they actually own the loan in which they are seeking payment on or seeking to file foreclosure. When you hire Prime Law Group, our seasoned attorneys will examine all relevant documents and check to see if the lender has standing. If the lender cannot provide proof, this can be used in your favor to ensure that a resolution is obtained.

Improper Servicing

In the past, many banks and servicing companies have been found to have engaged in illegal or improper servicing practices.

Some of the most common examples include:

Violating the rights of service members.

Prime Law Group has represented many members of the military who have had foreclosure actions taken against them while they are on active duty.

If your lender has penalized you due to nonpayment of filed foreclosure while you were in leave, an experienced real estate attorney is necessary to protect you.

Regardless of the reasons that you have fallen behind, you need a competent and aggressive law firm to protect your property. Prime Law Group gives its clients the best chance of saving their property and obtaining an affordable resolution to your situation.

Is bankruptcy a good option?

When you fallen behind on payments or have a foreclosure case filed against you, it is quite normal to seek assistance from a variety of professionals when your lender refuses to help.

Traditional mortgages such as Fannie Mae, Freddie Mac, FHA, VA, and many others have loss mitigation options which can aid a homeowner with getting current with affordable payments.

More often than not, lenders do not actually give these options to homeowners because they are aware that many homeowners do not know that they do have options available to save their property.

Whether it’s a loan modification, repayment plan, refinancing with a new lender, getting a small loan to pay off the arrears, or something else entirely, just because a lender says “No” to your request for help, does not mean that you don’t have other options.

Prime Law Group only recommends bankruptcy as a last resort. If bankruptcy was the best option or the only option, everyone would do it. Remember, you fell behind due to a financial hardship. If you file bankruptcy, you have to keep paying your regular payments and then you have to pay more money to catch up on the amount you fell behind which means your payments are going up substantially.

Contact Prime Law Group today to discuss legitimate and affordable options to protect your property.

Contact Prime Law Group today for a free consultation.

Prime Law Group understands that most of its clients bought their home for their family, not just as an investment or something they intend to keep short term.

Falling behind on payments is nerve racking but, fortunately, there are generally many options available that can get a homeowner back on track with affordable payments.

If you are having financial difficulty, you must act now. The longer you wait, the more expensive it gets.

Prime Law Group’s team of seasoned professionals has more than 100 years of combined experience in assisting homeowners just like you. We understand the stress our clients are under and do our best to alleviate your concerns and protect your property.

Prime Law Group always offers free consolations that are honest and have your best interests in mind. We will assist you with devising a plan that is directly related to your unique situation to ensure that your issue is resolved.

Prime Law Group has an A+ rating with the Better Business Bureau and has thousands of satisfied clients. A proven track record of success confirms that we are in this for the long haul. Don’t hesitate, call us today!