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Foreclosure Services

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Foreclosure and Coronavirus in Ohio

If you’re facing a home foreclosure, we may have some options for you.  It’s no secret that home foreclosures in Ohio are trending upward, not to mention the unknown economic effects from coronavirus that are still to come.  If you have received a Summons or Complaint in Foreclosure, the time to act is now.

 

A foreclosure proceeding begins with the lender filing a lawsuit in your county Common Pleas Court.  Once the lawsuit is filed, a defendant (homeowner) has 28 days to respond or risk loss of their home by default judgment.  If the lender eventually forecloses on the home, the property may be referred for Sheriff sale.  By seeking help  early in the foreclosure process, you may increase the number of options available to help keep you and your family in the home.

 

While there are several pathways to fighting a foreclosure, at France Law Group we are able to provide the following services to our home foreclosure clients:

Grey color house - foreclosure
  1. Mortgage Creditor Negotiations – Appropriate for homeowners who are falling behind on their mortgage but are not yet in foreclosure. We will work directly with your mortgage company to determine whether any loan modification alternatives may be available.
  2. Foreclosure Defense and Mediation Services – Appropriate for homeowners who have recently received notice of a foreclosure lawsuit, but before the mortgage company wins a judgment against you. Our foreclosure defense and mediation services range from the filing of all legal pleadings on your behalf to professional advocacy and non-judgmental guidance. Ask our experienced attorney if foreclosure defense and mediation services is right for you. Free consultation.
  3. Chapter 13 Bankruptcy – Chapter 13 bankruptcy is a debt repayment plan ranging in length from 36 to 60 months.  While Chapter 13 bankruptcy can stop a foreclosure sale, it is important to note that your bankruptcy filing must be prior to the execution of any foreclosure sale.  In Chapter 13 bankruptcy you will be able to keep your home and make steady monthly payments which include not only your mortgage arrears, but also your other debts. You are considered “current” upon filing and at the end of your chapter 13 plan repayment period you will have your fresh start.
  4. Chapter 7 Bankruptcy – Chapter 7 bankruptcy is for debtors who are unable to repay their debts and who are seeking a fresh start.  Chapter 7 bankruptcy is appropriate for former homeowners who have lost their home in foreclosure and would like to get a fresh start, away from the mortgage deficiency and other personal debts.  Not everyone qualifies for Chapter 7 bankruptcy.  Our experienced bankruptcy attorney can review your options with you and help you make an informed decision. Your fresh start can be waiting for you.