Orange County Foreclosure Defense Attorney

According to an article in the Orange County Register, the California non-current mortgage rate fell by 13% from 2014 to 3.8% in 2015. This improvement can be attributed to the improving economy and the real estate market recovery.

Nevertheless, in 2015, our state had 38,000 foreclosures ready to sell, the fourth highest inventory in the nation. California is the state hit the hardest by the Great Recession mortgage meltdown, with approximately 1.2 million homes lost since 2007.

RealtyTrac reports foreclosure rates in Orange County at 1 in every 1,660 homes as of November 2016. Of the active foreclosure homes in Orange County, 44% are in pre-foreclosure, 32.6% are at auction, and 23.4% are bank owned. The Orange County communities with the highest foreclosure rates are:

  • Silverado – 1 in 479
  • Ladera Ranch – 1 in 535
  • Foothill Ranch – 1 in 823
  • Villa Park – 1 in 970
  • Yorba Linda – 1 in 1,117

If you and your family need help to stop foreclosure in Orange County, it is in your best interests to seek experienced legal help right away. At RA & Associates, we have focused our practice on foreclosure defense, real estate, property damage, and cases of personal injury. We believe that our narrow focus and extensive experience serves our clients best. When we represent you in a foreclosure defense matter, our attorneys bring all their knowledge and skills to the table to help you stop the sale of your home, or to protect your rights in cases of wrongful foreclosure.

Pre-Foreclosure Litigation in Orange County

Pre-foreclosure is a crucial phase in the foreclosure process for homeowners. At this point, you may have missed some payments, but you still legally own the home and the bank has not yet served you with an official notice of foreclosure. It is important to contact an Orange County foreclosure defense attorney during this critical period to take advantage of your legal options to postpone or stop the sale of your home.

Our foreclosure defense lawyers are well-versed in California law. If your lender has committed a procedural error or violated the law in handling your mortgage, we can assist you with filing a lawsuit to hold the lender accountable and allow you to remain in your home while the legal process is pending.

There are other ways to postpone or stop the sale of your home. For example, we can assist you with:

  • Applying for a loan modification;
  • Initiating a short sale; or
  • Filing for bankruptcy to halt the foreclosure process.

These are complex strategies, and it is best to seek legal counsel from an attorney with experience in lending and foreclosure matters. Our knowledgeable legal team can help protect your rights while ensuring that every action is strategic and lawful.

Wrongful Foreclosure in Orange County

Even in Orange County, unlawful foreclosures may occur due to lender errors, inadequate due diligence, negligence, or fraud. If this has happened in your case, you may have a valid claim for wrongful foreclosure. A successful claim could result in the foreclosure being rescinded, monetary damages, or both.

If your home has been foreclosed upon, you will probably receive notice to vacate the property by a certain date. If you believe you have been the victim of wrongful foreclosure and refuse to leave, under the law, the new owner must file an unlawful detainer to evict you, a process which could allow you to remain in the home for several months or until the matter is resolved.

With more than a decade of real estate litigation experience, our Orange County foreclosure defense attorneys at RA & Associates have successfully resolved countless cases. We represent clients facing real estate and personal injury claims exclusively and have extensive knowledge in these legal areas. If you are dealing with the prospect of foreclosure on your home, contact our office today and schedule a free consultation.