How do I know if a lawyer has experience with mortgages?
Getting into trouble with your mortgage isn’t exactly a comfortable place to be. It’s no surprise that you want to seek out a St. Louis law firm to help you at the first sign of trouble. Since there are no “mortgage attorneys,” where can you turn? The field of law has grown so large that it is almost impossible to do everything, which causes many lawyers to focus on a specific area. No, not every lawyer you find will know how to handle a mortgage problem, but there are some who will.
If the problem involves your current mortgage lender or the nature of the lien, you may want to contact a real estate attorney. A real estate attorney will be able to verify if someone claiming a lien on your home is legitimate, make sure all documents are correct, and know if your mortgage company has made any procedural errors. However, if your problem involves your mortgage payment, you may need a different type of lawyer. Not being able to pay your mortgage is no laughing matter. As soon as you start falling behind on your payments, you’re headed down a path that lands more than 1,700 St. Louis residents each month into foreclosure. For most, putting their families in danger of not getting foreclosure protection is not an option.
But what kind of attorney can you turn to for foreclosure protection? A skilled St. Louis bankruptcy attorney can stop the sale of his home and help keep your family safe and sound with a Missouri or Illinois Chapter 13 bankruptcy. Also, a bankruptcy can help you with other types of debt, such as medical bills or credit cards. In addition to stopping your foreclosure, chapter 13 can stop a wage garnishment, prevent creditors from hounding you day and night, and prevent the repossessor from taking your car. You could really take the burden of debt off your shoulders and the shoulders of your loved ones.
Don’t forget that just because you’ve found a St. Louis real estate or bankruptcy lawyer doesn’t mean they’re best qualified to handle your mortgage concerns. You still need to focus on finding the best attorney for your specific case. Find a lawyer who wants to answer your tough questions by giving you free information before you even meet. He will trust your decision if it is polite.