Helping You Protect Your Home and Negotiate With Lenders
Nevada has become recognized across the nation as one of the major epicenters of the mortgage crisis, and the foreclosure rates in Henderson and across the state have nearly reached epidemic levels.
If you have been served with initial foreclosure papers after July 1, 2009 you may be eligible to take advantage of a new state foreclosure mediation law designed to give consumers and homeowners a stronger voice to renegotiate with lenders. At the office of Edward F. Gonciarz Attorney & Counselor at Law I can help you put new state law to work for you and work to help you keep your home.
Putting Foreclosure Mediation to Work for You
If you have received a Notice of Default or a Notice of Breach since July 1, 2009, you may have noticed the inclusion of a form where you can elect mediation. This form is now required by state law, and if you respond within 30 days you can elect to take advantage of an opportunity virtually unique in the nation that forces lenders to come to the negotiating table.
It's important to act quickly to protect your rights and your options. If that 30 days goes by without action on your part, you can lose your bargaining power.
As an alternative to bankruptcy options for clients who still have the opportunity to pay their mortgage and simply need a more realistic payment plan, foreclosure mediation doesn't force lenders to renegotiate, but it does give the homeowner certain advantages. My office can counsel you about those advantages and give you the leverage and knowledge you need to take advantage of mediation.
Working with an informed lawyer, we can work together to build a plan for getting the most out of your mediation and exploring options for mortgage loan modification that get you back on track and keep you in your home. The law requires that both sides mediate in good faith and that the lender be able to provide authorized representatives with key documents. I will help you make sure that your rights are protected in the process and that lenders hold up their end of the obligation.
Advice That You Can Rely On
While mediation does not allow us to represent you directly in the proceedings, I will put in the time to make sure you are fully prepared to best negotiate on your own behalf. Our offices accept all forms of payment including accepting checks, processing visa and mastercard through our secure payment gateway, and cash. I will give you the advice and knowledge you need to make the most out of your foreclosure mediation.
Do not let your rights slip away. Act today and call my office at 702-997-8030 or contact me online to schedule a free initial consultation.
