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Helping Good People Eliminate Their Financial Troubles

Tifton Foreclosure Defense Lawyer

Helping Homeowners Stop Foreclosure in Tifton & Surrounding Areas

If you are facing foreclosure, you are not alone. Unfortunately, many people in Georgia and throughout the United States have fallen on hard times and have been forced to face foreclosure.

If you are facing foreclosure, you should know that you have rights. Michael H. Turner, P.C. is here to help you protect your home and your rights.

Our firm has been providing exceptional legal representation to clients in Tift County and throughout Georgia for more than 30 years. We have the knowledge and experience you need to guide you through the foreclosure process.

Once you retain our firm, we will immediately begin working on your case. We will meet with you to discuss your situation and work out a plan to help you avoid foreclosure. We will help you contact us.

Local Foreclosure Defense Support in Tifton, GA

In Tifton, GA, the threat of foreclosure can feel overwhelming, especially with the economic challenges many families face today. Many homeowners in Tifton may be dealing with job loss, medical expenses, or unexpected financial burdens that can lead to missed mortgage payments. The stress of potential foreclosure can be compounded by the fear of losing a family home, which is often tied to cherished memories and community ties. Our firm recognizes these pain points and is dedicated to helping you explore all available options to protect your home.

Additionally, the City of Tifton offers resources for helping residents understand their rights and options during a foreclosure. We encourage you to reach out to local government entities that can provide guidance and support as you navigate this difficult time.

By working with a knowledgeable foreclosure defense attorney in Tifton, you can develop a strategy tailored to your unique situation. Whether it’s negotiating with lenders or exploring potential defenses against foreclosure, we are here to help you every step of the way. Don’t face this challenge alone; let us help you find a path forward.

Do not lose your home without first talking to us. Call (229) 354-4490 or contact us online to discuss your options with a Tifton foreclosure defense attorney.

What Is Foreclosure?

Foreclosure is the legal process that a lender must go through to recover a loan that is in default. In order to foreclose, the lender must first get a court order.

There are several steps that must be completed before the foreclosure process can even begin. The lender must first issue a Notice of Default, which informs the borrower that they are in default and that they have a certain time frame to either pay the missed payment or bring the account current. The lender must then wait a certain amount of time before issuing a Notice of Delinquency, which gives the borrower a specific period to bring the account current. If the borrower does not bring the account current, the lender will issue a Notice of Intent to Foreclose, which gives the borrower a certain time frame to either sell the property or bring the account current.

If the borrower does not bring the account current, the lender will file a foreclosure lawsuit. The borrower will then have a certain amount of time to file an answer to the lawsuit, or they will lose by default and the court will issue an order of foreclosure. The foreclosure sale will then be held and the proceeds will be used to pay the lender the amount owed on the loan, as well as any costs involved in the foreclosure process.

Any funds remaining will be used to pay off the junior liens on the property. If there are not enough funds to pay off the junior liens, the property will be sold at a public auction to pay the junior lienholders. The property can then be sold by the lender as a real estate-owned (REO) property.

Note that the borrower can still redeem the property even after the foreclosure sale, but they must act quickly. The redemption period begins when the property is sold at the foreclosure sale. Redemption means that the borrower must pay the lender the amount of the foreclosure sale, plus any costs and fees, in order to get the property back. The redemption period lasts for a certain period of time, which will be stated in the foreclosure notice.

Foreclosure Defenses

If you are facing foreclosure, you might be worried about losing your home. However, you should know that you do have options. You can fight to save your home.

There are several defenses available to people who are facing foreclosure. You may be able to save your home if you can prove that the foreclosure is the result of a mistake, a violation of your rights, or if the foreclosure is not legal.

Common foreclosure defenses include:

  • The foreclosure was based on a mistake, such as a clerical error or misreading of the documents
  • The foreclosure violated your due process rights
  • The foreclosure violated the law
  • You are current on your payments
  • The foreclosure was based on the wrongful conduct of the mortgage company
  • You have a right to sell your home under the homestead exemption
  • The foreclosure was based on a breach of contract
  • You are being discriminated against

Contact Our Foreclosure Defense Lawyers in Tifton

If you are facing foreclosure, it is important that you seek the help of a qualified Tifton foreclosure defense attorney as soon as possible. Michael H. Turner, P.C. is here to help you. We have over 30 years of experience and have helped countless people just like you.

Call (229) 354-4490 or contact us online to schedule an initial consultation with our foreclosure defense attorneys.

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