Foreclosure Defense


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Foreclosure is a daunting experience for homeowners and one that is rarely entered into voluntarily. It is estimated that since early 2014 nearly 6 million people in the United States have lost their homes to foreclosure. Typically, it is a result of unexpected events or hardships like:

  • Laid-off, fired or quit job
  • Inability to continue working due to medical conditions
  • Excessive debt and mounting bill obligations
  • Squabbles with a co-owner, divorce
  • Job transfer to another state
  • Maintenance issues they can no longer afford

Historically, the process has favored banks and lenders, while putting homeowners at a disadvantage. However, homeowners do have options and there are legal strategies that be used to save their home. The legal strategies used to save a home from foreclosure are commonly known as foreclosure defense strategies.

The purpose of these strategies is simple: Prove that your bank or lender has no right to foreclose on your home.

Depending on where you are in the foreclosure process, RA & Associates develops unique foreclosure defense strategies that can obtain some or all of the following results:


CALL 24/7 (888)417-1080



What We Can Do For You

Stop or postpone your foreclosure sale date

Lower your mortgage payments

Lower your principle balance

Get you money from your lender

Keep you in your property

Reclaim a foreclosed home

What Are Your Options?

Your options can vary depending on where you are in the foreclosure process. If you have received a Notice of Default (NoD) or a Notice of Sale (NoS), it is likely you are still in the Pre-Foreclosure period. If your home has been sold in a foreclosure auction, it is possible you are the victim of wrongful foreclosure. Depending on where you are in the process, click below to explore what options are available.


Pre-foreclosure is a critical time for homeowners. This his period can be used to your advantage to stop the sale of your home, postpone the foreclosure process or sue your lender for behaving in a negligent or predatory way. This period also provides you with more options to avoid foreclosure and the loss of your property.

Wrongful Foreclosure

If a bank’s negligent or fraudulent actions result in the foreclosure of your home, you may be entitled to file a wrongful foreclosure suit. A real estate attorney can protect your rights and help you recover both monetary and punitive damages. They can also recover funds you are entitled to or extend the amount of time you can remain in your home.

We Work With You To Save Your Home

When your home is at stake, it is important to retain a skilled and experienced foreclosure defense firm to defend you and your interests. With more than a decade of experience, our attorneys are your best choice to fight back. At RA & Associates, you receive a knowledgeable and effective law firm that not only helps you fight for your home, but also provides the compassionate and personal touch you deserve.

Regardless of where you are in the foreclosure process, our attorneys have the skill and expertise to assess your situation, evaluate your case, and devise a strategy to protect your best interests. Our team has helped countless homeowners avoid foreclosure, held lenders responsible for failing to follow the provisions of the California Homeowners Bill of Rights, and fought banks for wrongful foreclosure.

Call us today to schedule a no-cost consultation at (888) 417-1080 or contact us for more information.


Take the first step towards resolving your legal issue.

With over a decade of experience in real estate, property damage, and personal injury litigation, the attorneys at RA & Associates have successfully resolved countless cases for our clients.