Foreclosure
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Foreclosure doesn’t usually come as a big surprise to homeowners. You’ll probably know, well before it happens, that you’re going to have trouble making your mortgage payments. Maybe you’ve been become unemployed or face unexpected medical bills, or maybe that adjustable-rate mortgage you took out a few of years ago is scheduled to reset at a much higher rate, making payments out of reach.
Once you do fall behind, you’ll probably have a few months before your lender even starts the foreclosure process. The fact that foreclosure is a process—sometimes a long one—is good news for you. You don’t need to panic. You’ll have time to plan, negotiate, and evaluate your options—if you act as soon as you smell trouble coming. The more time you have, the better.
If your only problem is a few missed payments, your lender will probably be willing to let you get current over time or even add the missed payments to the end of the loan. If you’ve missed four or five payments, your lender may not be flexible—but you still may be able to work something out.
Don’t wait for your lender to contact you. Just as soon as you realize you’re going to have trouble making your mortgage payments, you can and should start working on the problem. This articles on this website will show you how.
Foreclosure Topics Covered
Whether you've just started missing mortgage payments or your foreclosure sale is scheduled to take place in a few days, our articles provide helpful information to guide you through the foreclosure process. Here are some of the topics covered.
Get answers to the most common foreclosure questions here. What is foreclosure? Should you fight your foreclosure or walk away? How long will your foreclosure take?
Foreclosure laws vary from state to state. Learn how to find your state's foreclosure laws online and read a summary of your state's most important foreclosure laws.
Depending on whether you want to try to keep your home or you're ready to walk away, you have a number of options to make the most of your foreclosure.
Your problems may not end once your house is sold at a foreclosure auction. Questions about deficiencies, tax consequences, and credit scores may haunt you afterwards.
As the foreclosure crisis spreads, it's not just homeowners who are getting hurt. If you're renting a home that's in foreclosure, you need to figure out what your rights are, who you should be paying the rent to, and what remedies you have against your landlord.
While most coverage of the foreclosure crisis has focused on residential foreclosures, commercial property owners have not survived the economic downturn unscathed. Learn about the issues unique to commercial foreclosures.
Thinking about buying a foreclosed home to live in or as an investment? Learn about the risks and the key factors you should first consider.
Going through a divorce and a foreclosure at the same time can be tricky. Arm yourself with the information you need to get through this difficult time.
Free foreclosure help and information is out there for the asking. If that's not enough, figure out when and how you should find an attorney, and how to avoid foreclosure rescue scams.
Helpful Do-It-Yourself Books from Nolo
Knowledge is power. Arm yourself in the foreclosure battle with these Nolo books.
The Foreclosure Survival Guide
Should you fight your foreclosure? Or should you walk away? Learn what's best for you in this bestselling foreclosure book.
Should you fight your foreclosure? Or should you walk away? Learn what's best for you in this bestselling foreclosure book.
Selling Your House in a Tough Market
Selling your home might solve your foreclosure problems, but how to sell in this down market? Find out in this all-in-one guide.
Selling your home might solve your foreclosure problems, but how to sell in this down market? Find out in this all-in-one guide.
The New Bankruptcy
Find out whether bankruptcy is right for you and whether you qualify for bankruptcy in this plain-English guide.
Find out whether bankruptcy is right for you and whether you qualify for bankruptcy in this plain-English guide.
How to File for Chapter 7 Bankruptcy
If you're thinking about filing for Chapter 7 bankruptcy on your own, read this book to find out whether you qualify and how you can cancel as much debt as possible.
If you're thinking about filing for Chapter 7 bankruptcy on your own, read this book to find out whether you qualify and how you can cancel as much debt as possible.
Nolo's Credit Repair Bundle
Learn how to take control of your personal finances, get out of debt, and repair your credit with this pair of books.
Learn how to take control of your personal finances, get out of debt, and repair your credit with this pair of books.
Get Expert Help
As you make your way through the foreclosure process, you may find that you need the advice of a legal expert. Whether you want to hire an attorney to represent you or just need a few legal questions answered, we can help.
The fastest and easiest way to find, choose, and connect with foreclosure lawyers licensed in your state and serving your local area.
Browse our foreclosure lawyer directory. View profiles of local lawyers, complete with locations, fees, and practice philosophy.