Hoover Foreclosure Defense Attorney

Effective Foreclosure Solutions in Jefferson County

If you are facing the prospect of foreclosure, you are probably feeling anxious and overwhelmed. However, you do not have to face this challenge alone. 

At Pleasant Legal Solutions, we offer compassionate, professional legal services to those who are at risk of losing their homes. We understand that the threat of losing your home is a stressful and emotionally draining experience. Our experienced Hoover foreclosure defense attorney has helped countless individuals and families throughout Jefferson County fight to keep their homes. We can do the same for you.

Get a Free Consultation: Contact Attorney Jeanetta Pleasant at (205) 736-8984 or Use Our Online Form

Understanding Your Rights Under Alabama Foreclosure Laws

If you are at risk of losing your home, it is important that you remember that you have rights. Under Alabama foreclosure laws, lenders must follow specific procedures to foreclose on homes. This means that you have a certain amount of time to act and defend yourself from losing your home.

The first step in determining if you have a defense against foreclosure is to have a qualified attorney review your unique situation. At Pleasant Legal Solutions, we have handled countless cases and have a strong track record of success. Reach out to us today to learn how we can help you.

Navigating the Foreclosure Process in Alabama

There are three stages of foreclosure in Alabama. The first stage occurs before the home is put up for sale, the second involves the proceedings after the home is sold, and the third occurs when the individual who owned the property fails to move out after the house is sold. 

During stage one of the foreclosure process, the following steps occur: 

• The homeowner defaults on the mortgage 
• The lender sends a default letter to the homeowner, which must include a time limit (usually 30 days) for correcting the default 
• The lender sends an acceleration letter if the default is not cured within the set time limit, which informs the homeowner that the balance of the loan is due immediately 
• The lender must place a notice in the local newspaper in the county where the home is for at least three consecutive weeks before the home is sold at auction 

During this stage, it is often possible to come to an agreement with the mortgage company, such as modifying the original loan, obtaining a new loan, or getting the loan reinstated. You may also be able to file for bankruptcy in order to save your home. 

If foreclosure advances to the second stage, the person who lost the home will receive a letter from the new homeowner informing them that they have 10 days to vacate the premises. If the person who lost the home leaves within 10 days, they are granted a one-year redemption period in which they can reclaim the property. To reclaim the home, the person who lost it must fill out various forms and pay a set redemption amount. 

If the person who lost the home does not move out within 10 days of receiving the letter from the new homeowner, they will forfeit their right to the one-year redemption period. Ignoring the eviction notice means the person who lost the home will be subject to court proceedings and may be forcibly removed from the property.