Southtrust law & Title PA is now Dubyak Law P.A.
Southtrust law & Title PA is now Dubyak Law P.A.
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When choosing a foreclosure defense attorney, it is important to consider the qualifications of your lawyer. Be sure you partner with a professional who has experience in foreclosure defense and understands the process of working with banks as well as other lenders.
I spent a decade working with banks to foreclose homes and have developed a wealth of experience in how lenders operate, including the best ways to protect yourself from foreclosure proceedings. It is important to work with an attorney who understands the ins and outs of foreclosure law so that you may rest assured that your best interests are being protected properly.
Working with a lawyer who is experienced in foreclosure defense and real estate law can greatly influence the success of your case. When you partner with Dubyak Law Firm, I combine my experience as a foreclosure defense attorney with a deep-rooted history in real estate to provide you with well-informed, trusted legal counsel.
I aim to offer reasonably priced solutions for my clients depending on your plans for your case. If you are feeling slighted by your lender and seeking a more aggressive, fire and brimstone approach, the process can be far more expensive, discouraging most clients from taking this route.
However, my primary goal is to provide clients with the necessary time to make a plan for their future and determine their most desired outcome. I try to set my clients up on a $500 per month payment program, as the workload is not always consistent. Certain months may require little work on the case, whereas other months can be rather busy.
This way, I am able to avoid surprising my clients by retaining a reasonable monthly rate while helping them buy the breathing room they need to apply for loan modification and manage their foreclosure. Your home could be sold at auction within 90 days of receiving a summons and believe me, you do not want to put that to the test.
The first step in answering this question is defining what success is. Success is not defined by getting your house for free, as this is nearly impossible. Success is found in the time that you are able to buy yourself so that you can prepare for the outcome of your case.
If your house has no equity but you still need to stay there to ensure that you are not homeless, success is found in the time you buy yourself to stay in your home by fighting your foreclosure. If you need to sell your home, success is found in the time you have to fix up your property and increase its value so that your house will sell for the highest value. Success in your foreclosure generally pertains to your ability to acquire leverage.
I work closely with my clients to get you the time that you need. If your goal is to save and budget enough to reinstate your loan within four to six months, I will fight to ensure that you have the necessary time to work toward and achieve these goals. Ultimately, we have had a great deal of success in helping our clients accomplish their goals in a foreclosure.
Attorney Jeremy Dubyak is a seasoned lawyer based in Pensacola, FL who has helped countless clients just like you navigate the intricacies of real estate law. With a robust history of serving clients in Escambia County, he is prepared to assist you with your foreclosure defense so that you can buy the time you need to create a plan for your future.
Still have questions? Ready to get started? Contact Dubyak Law Firm, P.A. at (850) 266-7822 today to schedule an initial consultation.
At a minimum, you should provide a copy of your complaint at your first meeting with a foreclosure defense attorney. A filing number would also be useful, but primarily a copy of the complaint is what we’re looking for.
The complaint is enough to get the process started, but I may need to ask some questions to ensure we have all the required information. Aside from this, the most important things to bring to your meeting are an open mind to tell me what you need and an open ear to listen and understand the likely outcomes of your case.
Short sales are possible, but are not nearly as popular as they were around 10-15 years ago. Whereas many homeowners were underwater after the market crash of 2008 and sold at a loss, the banks currently see more equity in these assets and are hesitant to engage in a short sale.
Another issue is found in private mortgage insurance, where you are essentially paying for a policy that the bank can make a claim on to receive reimbursement in the event that they foreclose. So if you have private mortgage insurance, most policies do not allow the lender to take a short sale on account of the implications this could have for the insurance company.
The private mortgage insurance provider is also interested in protecting the bank, so they have no incentive to make a short sale. As it stands in today’s economy, short sales are possible but generally do not occur. In the event of an economic slowdown where homeowners lose equity, it may behoove the bank to return to short sales. However, let’s hope this is not the case.
When I have clients who are ashamed of facing a foreclosure, I want to be sure that they know that this is simply a financial setback and not a representation of morals. Very often, foreclosures are simply cases of unexpected life events that are very understandable. It is important to understand that your situation does not reflect your character.
While foreclosure can be difficult, it’s important to keep in mind that you are not being judged by your attorney or by your lenders. The banks are simply companies that are working to uphold the deals you struck with them. At the end of the day, they are just conducting business as usual and it is nothing personal.
I encourage my clients to forgive themselves and understand that there is a difference between the emotional value of your foreclosure and the reality of the business behind it. Life happens, and we shouldn’t judge ourselves for things outside of our control.
There’s a saying that goes, “you can be in great shape for the shape you’re in.” So while it may be emotionally and financially troubling facing a foreclosure, most people in this day and age can still walk away from the experience with money in their pocket. Let’s find solutions, help you through this rough patch, and allow you to look forward to the future.
Still Have Questions? Ready To Get Started?
If you need help Finding A Foreclosure Defense Attorney In Pensacola, Florida, an initial consultation with Dubyak Law Firm can point you in the right direction. Get the information and legal answers you are seeking by calling (850) 266-7822 today.
Attorney Jeremy Dubyak is a seasoned lawyer based in Pensacola, FL who has helped countless clients just like you navigate the intricacies of real estate law. With a robust history of serving clients in Escambia County, he is prepared to assist you with your foreclosure defense so that you can buy the time you need to create a plan for your future.
Still have questions? Ready to get started? Contact Dubyak Law Firm, P.A. at (850) 266-7822 today to schedule an initial consultation.
