6 Key Questions to Ask Before You Hire a Foreclosure Attorney
In the wake of the 2008 financial crash, countless individuals faced unemployment, businesses collapsed, personal savings dwindled, and American home values plummeted. This crisis led to a wave of foreclosures affecting millions of homeowners. Yet, the narrative surrounding the crisis has been shaped by powerful entities, positioning naive homeowners as scapegoats for the global credit meltdown. While some purchased homes beyond their means, the true culprits were misleading mortgage lenders driven by unscrupulous broker commissions. Banks aggressively bundled, securitized, and sold mortgages, leading to questionable lending practices. The harsh reality is that many mortgage-backed securities lacked actual mortgages behind them. This scandal forced taxpayers to bail out banks, a stark contrast to Iceland, which allowed its banks to fail and prosecuted financial offenders.
Why American Banks Evade Accountability
In the U.S., banks grew 38% larger post-crash, supported by the toothless Dodd-Frank legislation that failed to prevent another economic downturn. The phrase Too Big to Fail became synonymous with a system that continued benefiting those who contributed to the crisis. Americans still witness banks receiving significant taxpayer-funded support, with few within the financial industry being held accountable for their actions. Instead, blame is conveniently placed on homeowners who lost their properties.
Finding the Right Foreclosure Attorney
For those facing foreclosure, navigating the legal system can be daunting. Many believe a foreclosure attorney is essential to counteract bank fraud and protect their homes. Although a few attorneys specialize in foreclosure law, not all are committed to fighting intensely for homeowners. Selecting the right lawyer requires careful consideration and asking pointed questions.
Essential Questions to Ask a Foreclosure Attorney
Justin James, founder of The Foreclosure Relief Network, emphasizes the importance of thoroughly vetting a foreclosure attorney. Before hiring one, homeowners should ask the following six crucial questions:
1. Do you believe banks and their servicers engage in mortgage protection and/or foreclosure fraud?
2. If a bank presents a document claiming it’s the original note, do you think there’s still a chance of winning in court?
3. Are you willing to challenge the bank’s claim of ownership on the note, mortgage, and chain of title?
4. Are you prepared to cross-examine witnesses effectively?
5. Will you contest and call a robo-signer as a witness?
6. Are you ready to confront major banks or a court that favors them?
Answers to these questions provide insight into an attorney’s commitment to defending a homeowner’s rights. Receiving even one no might indicate it’s time to look elsewhere.
When to Walk Away
If an attorney hesitates to break down your chain of title or question the bank’s authority, reconsider your choice. You deserve a lawyer willing to represent your interests vigorously. The wrong attorney could deplete your finances without delivering results. Like purchasing a car or hiring a contractor, it’s essential to ensure you’re getting value for your investment.
Considering Alternatives
While many believe it’s impossible to defend oneself against foreclosure without an attorney, numerous homeowners have succeeded with the right education and resources. Organizations like The Foreclosure Relief Network provide tools and support, enabling homeowners to represent themselves effectively in court (known as Pro Se). With a solid strategy, many individuals have successfully negotiated settlements.
Trust Your Instincts
Ultimately, no one will fight harder for your home than you. If an attorney doesn’t feel like the right fit, trust your gut and explore other options. Conduct thorough research and understand that viable alternatives exist. Whether you choose to work with an attorney or represent yourself, ensure your decisions are informed and strategic. This proactive approach can protect your home and preserve your financial stability.
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amily and Cosmetics Dentistry in Hillsboro, Oregon.
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Address: 7546 NE Shaleen St Hillsboro, OR 97124, USA
Phone: 503-614-0198 Call us today!
Website: https://www.eastwinddentalcare.com
Dentist in Hillsboro, OR - East Wind Dental Care provides general dentistry in Hillsboro. Make your next family dentist appointment at East Wind Dental Care. General Dentistry, Preventative Dentistry, Pediatric (Kids!) Dentistry, Cosmetic Dentistry, Tooth Replacement. Crowns and Bridges, Dental Implants & Mini Dental Implants Dentures (with specialty), Complete denture, Partial Dentures.
East Wind Dental Care
Family and cosmetics dentistry in Hillsboro Oregon.
We at East Wind Dental Care are committed to providing quality dental care to families located in the Hillsboro and Beaverton area and treat patients of all ages. We provide comprehensive solutions for our patients' oral health needs. Believing in the importance of listening to our patients, we take the time to truly understand each person's needs, goals, and lifestyle. By understanding our patients' objectives we can provide solutions that will improve their health while transforming their smile into something bright and beautiful.
East Wind Dental Care at Hillsboro, Oregon provides a wide variety of dental services and procedures to address all of our patients' dental health needs. By combining quality patient care with up-to-date technology, we are able to treat patients of all ages in a comfortable and relaxing setting. Our website includes information on the following items: Dentist, Cosmetic Dentist, Family Dentist, General Dentist, Emergency Dentist, Dental Implants, Teeth Whitening, Dental Veneers, Dentures, Dental Crowns and more. Our Dentist and expert staff are trained to not only treat patients but to identify what caused the health concern in the first place. This comprehensive approach sets patients of East Wind Dental Care in Hillsboro on the road to recovery and long term oral health.
When you walk into the office of East Wind Dental Care you will be immediately greeted by our friendly staff who are dedicated to making sure that you feel comfortable during your entire appointment. We understand that patients can feel anxious when going to the dentist, and our staff will take the time to listen to all of your concerns and help you understand exactly what your procedure is going to be like. At East Wind Dental Care we pride ourselves on being an affordable family dentist that accepts a variety of insurance plans and payment options like cash and credit cards, because we want to provide a beautiful, healthy smile to everyone in the Hillsboro, Beaverton, and Portland area. Call East Wind Dental Care today at 503-614-0198 to see why we are the dentist of choice in the Hillsboro, Beaverton, and Portland area.
East Wind Dental Care
Address: 7546 NE Shaleen St Hillsboro, OR 97124, USA
Phone: 503-614-0198 Call us today!
Opening Hours Mon - Fri: 8:00 - 17:00 and Saturdays with appointments.
Website: https://eastwinddentalcare.com/
Make an appointment online at https://eastwinddentalcare.com/contact-3/
