Fighting for the Maximum Compensation You Deserve
Foreclosure Defense Lawyer in Newport Beach, CA
Newport Beach Attorney Fighting Foreclosure Throughout California
Protect your home from foreclosure today by teaming up with Manning Law APC and our foreclosure defense lawyers in Newport Beach. If you do not do anything to stop foreclosure, your home could be taken from you without due process, even in cases where you have made a sincere and honest effort to pay your mortgage each month. We don’t believe it is right for any family to lose their home when there are options available to explore home retention. We do everything we can to help make things right and keep you in your home.
Methods to Fight & Prevent Foreclosure
Knowing a financial institution or lender intends to foreclose on your home is intimidating, of course. But it is important to not lose focus and do all you can to protect your home and family from the hardships that inevitably come with foreclosure. When you let our foreclosure attorneys act as your legal representatives, we can carefully analyze your situation and determine the best approach or approaches for foreclosure defense.
Methods to prevent foreclosure or reduce the harmful effects of foreclosure where it cannot be prevented:
- Stop foreclosure by applying the California Homeowner’s Bill of Rights: We know the law and we examine the conduct of your loan servicer under the magnifying glass of the California Homeowner’s Bill of Rights. If your loan servicer fails to adhere to the rigorous requirements of the California Homeowner’s Bill of Rights in many cases we can get a judge to issue an injunction to stop foreclosure and explore foreclosure alternatives. Our attorneys are very experienced in this process.
- Investigate unfair or unlawful servicing practices under the Truth in Lending Act and the Real Estate Settlement Procedures Act: These bodies of law provide a process to investigate, and where violations exist, to hold loan servicers and lenders accountable and provide private rights of action to file a lawsuit, potentially entitling you to stop foreclosure and recover damages. Our attorneys are also very experienced in these areas.
- Mortgage modification: A common alternative to foreclosure is a loan modification, which is a form of renegotiation of your debt to avoid foreclosure and/or bankruptcy. For example, in many cases where we stop foreclosure under the California Homeowner’s Bill of Rights the loan servicer will offer a loan modification as a way to resolve the case.
- Deed in lieu: A less common alternative to foreclosure is the deed in lieu of foreclosure, where your lender takes ownership of your property without foreclosure, saving everyone time and resources. It may also allow you to leave on your own terms and in an orderly manner as opposed to the chaotic nature of foreclosure followed by eviction which can lead to your unexpected ouster from the property.
- Deficiency resolution: If your home is sold through foreclosure, you could be held financially accountable for the difference between the sale price and the remaining mortgage balance, known as the deficiency, although this is not always the case. Our attorneys can advise you to minimize or avoid liability for a deficiency balance.
- Short sale: Lastly, conducting a short sale might to allow you to avoid foreclosure. Using our years of legal experience, we can help negotiate with your lender through a short sale, potentially allowing you to walk away with no debt and a chance at a fresh start; and avoiding the possibility of being ejected from the property after foreclosure through the chaotic eviction process.
How Do I Know Manning Law, Apc Is Right for My Case?Manning Law, APC offers free consultations, works on contingency, and has recovered millions of dollars in verdicts and settlements on behalf of past clients. With more than 100 years of combined legal experience, we have what it takes to maximize your chances of securing the compensation you deserve.
How Much Does It Cost to Hire Manning Law, APC?Manning Law, APC accepts all personal injury cases on a contingency fee basis, which means there are no up-front costs for you. We only get paid if we are successful in your case.
How Much Is My Personal Injury Case Worth?Your case’s value will be based on factors such as the severity and long-term impact of your injuries, the amount of medical treatment you need, the strength of evidence proving the other party’s liability, and the amount of insurance coverage available in your case. It is best to discuss your case with a skilled attorney to get a more accurate picture of your case’s potential value.
How Long Will My Personal Injury Case Take?Your case could take several months or even years to settle depending on the situation. The timeline of your case will vary depending on factors such as the severity of your injuries, the amount of medical treatment you need, complications of liability, and the level of cooperation of the responsible party’s insurance company.
If I Hire a Personal Injury Lawyer, Will I Have to Go to Court?While going to court is certainly a possibility, many personal injury claims are settled out of court through negotiations between your attorney and the responsible party’s insurance company. A trial may only be necessary if these negotiations should fail, such as in circumstances where fault is disputed or if there is a disagreement over the value of your claim. Our attorneys prepare each case as if it were going to trial to give us the best positioning possible during settlement negotiations.
How Long Do I Have to File a Personal Injury Claim?Under California’s personal injury statute of limitations, you generally have two years from the date of your injury to file a civil lawsuit in court against the responsible party. If the at-fault party is a government agency, you have an even tighter deadline of six months. If you do not seek legal action within this timeframe, the court will likely refuse to hear your case at any time to the future and you will lose your right to seek compensation. These deadlines can sometimes be extended under specific circumstances, such as if the injured party is a minor, the injury or the cause of the injury was not immediately apparent, or the injured individual suffers mental or physical incapacitation due to the injury. Regardless, if you are unsure how the statute of limitations applies to your case, it is important that you get an attorney involved promptly to guard your legal rights.
What Damages Can I Receive Compensation For?When your injury is caused by the actions or negligence of another person, you can take legal action to recover costs resulting from your injury. We represent clients seeking damages for the following:
Past and future medical bills:Oftentimes medical bills can extend far beyond the individual's initial accident. The victim may require extended hospital stays, operations, and even regular checkups during their recovery process. If you were injured due to someone else's negligence, we will fight to ensure that you receive compensation for these expenses.
Rehabilitation:For injuries resulting in long-term side effects, it is important for the victim to be able to focus on their recovery and rehabilitation, rather than worrying about how they will pay for their recovery process.
Lost income:Most serious accidents will be accompanied by significant amount of time off of work. If someone else's negligence has rendered you unable to work, they should be held responsible for your loss of income during that time.
Mental anguish:Mental anguish can include various forms of depression and anxiety that someone may experience as a result of their accident, or even the loss of someone close to them.
Physical pain and suffering:This type of compensation can be pursued in regards to the physical injuries a victim has experienced and the pain and suffering that those injuries have caused them.
We have Recovered Millions for Our Clients
Over 100 Years of Combined Experience
You Don't Pay Until We Win
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