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Foreclosure Defense Lawyers in Richmond

No matter where you live, foreclosure is a fast process. A payment is considered delinquent just one day after its due date, and lenders can take action soon after. In Virginia, lenders can sell your home with or without judicial oversight. This means that, depending on if your mortgage includes a power of sale clause, a lender may or may not have to file a lawsuit with the court to foreclose on your property. In either case, at the end of the foreclosure process, you will be evicted from your home. The entire process can take as little as 60 to 90 days.

If you are facing foreclosure in Richmond, you have several options. The very first thing you should do is consult our attorney at Flores Law PLLC. You have a small window of time to defend your home, and we can put our knowledge to use in developing a legal strategy that best protects your property.

Don’t face this process alone, and don’t wait to seek help. For a free initial phone consultation, call (804) 315-0810 or contact us online. We offer legal services in English and Spanish to help you in the language you are most comfortable with.

Foreclosure Defense Options in Virginia

Depending on the type of foreclosure your lender uses (judicial vs. non-judicial) and where you are in the process, you may have several options at your disposal.

Your lawyer may be able to help you:

  • Request a loan modification. If you submit this request in time, your lender may need to pause the foreclosure proceeding until they review your information. They could then extend the terms, reduce the interest rate, eliminate late fees, implement forbearance, or otherwise modify your mortgage to help you avoid foreclosure.
  • Challenge the foreclosure. If your lender failed to follow proper foreclosure protocol, missed the statute of limitations, or made a serious mistake regarding your account, we may be able to expose these issues and delay or cancel the foreclosure proceeding. The foreclosure might also be invalid if the lender lacks standing, meaning they cannot prove they own the loan.
  • Take advantage of the Servicemembers Civil Relief Act. If you get a mortgage before or after going on active duty, you have special protections against foreclosure. Specifically, the foreclosure must be heard in a court of law, and you may be able to delay the process.
  • File for Chapter 13 bankruptcy. Chapter 13 bankruptcy allows you to propose a 3 to 5-year repayment plan based on your disposable income. Because of the automatic stay, your lender cannot initiate or continue the foreclosure process until the end of your case. If you catch up on arrears by the end of the plan, you can effectively rescue your home.

The most appropriate course of action depends on your unique circumstances. This is why we take as much time as necessary to understand each client’s situation before recommending a solution.

How Our Richmond Foreclosure Defense Attorneys Can Help

If your home is at risk, you need compassionate advocacy. Flores Law PLLC has what it takes to find a personalized solution to your legal and financial crisis. We offer prompt communication to be there for you when you need us and combine our professional skills with personable service to help each of our clients feel supported—not judged.

We know the stakes are high, and we are ready to do everything in our power to help you obtain relief. Call us today!

When It Comes to Your Home, There’s No Time to Waste

Consequences of unmanageable debt and missed payments can be severe and swift. If you believe foreclosure may be on the horizon, your time to act is limited. The sooner you get in touch with Flores Law PLLC, the better your odds of keeping what matters most.

Let us defend your home. Call (804) 315-0810 or contact our Richmond foreclosure defense attorney online today.

life is hard. let Us help make it easier.

Discover personal financial recovery when you work with us. Stephen Flores is an attorney that puts his clients FIRST. He will be there with you every step of the way. Contact us for a free phone consultation today.

Real people. Real reviews.

Opinions That Matter. 
  • “He's the best professional I've seen, everything went perfect in our process thanks to Flores team. I'm definitely asking them for help if any legal representation is needed in the future.”

    - Jerry R.
  • “Flores Law provided excellent sevice for my Bankruptcy case. Lawyer Stephen Flores took the time to explain in detail all my options, the steps involved, and the likely outcome for each option. I am very glad I chose Flores Law.”

    - Kathleen P.
  • “Flores Law helped me with my bankruptcy, they were very helpful with answering my questions. They called to check to see if there was anything I needed. They are very professional and I would recommend them to anyone that needed a bankruptcy lawyer.”

    - Hope P.

Why Choose uS?

  • We are with you throughout the process
  • We take a personal approach to every case
  • We offer legal service in English or Spanish
  • We offer free initial phone consultations