Job loss, divorce, medical bills. As a law firm providing to Seattle-area consumers, Resolve Legal PLLC knows how problems like these can make it tough for a homeowner to pay the mortgage. And if non-payment continues for a while, the lender may decide to foreclose. Drawing on our experience providing Washington forclosure help to clients in financial troubles, we believe homeowners should understand how foreclosure works and how to stop it.

Foreclosure Explained

Foreclosure is the process by which a home mortgage lender, faced with default in payment by the homeowner, has the home seized and sold, with the proceeds used to pay off the mortgage.

Nuts and Bolts of Foreclosure Process

As attorneys providing , we're familiar with foreclosures. Most Washington forclosures are non-judicial, meaning a court isn't involved. Instead, foreclosure is carried out by a representative of the lender. Even if the sale proceeds are less that the outstanding mortgage debt, the lender can't recover the additional amount from the homeowner. Based on our experience as attorneys providing Washington forclosure help, the foreclosure process takes about 120 days.

Stopping Foreclosure

Faced with a possible foreclosure, the worst thing a homeowner can do is nothing. Because of our experience providing Washington forclosure help to clients, we understand that the early stages of mortgage delinquency are crucial. The sooner homeowners seek help, the greater their options and the more likely foreclosure can be avoided.

A homeowner facing foreclosure should immediately contact an attorney providing Washington forclosure help. Typically, an attorney providing will do the following:

?Contact the lender and try to negotiate a payment plan. If this approach doesn't work, the attorney providing Washington forclosure help can take the next step.

?File for bankruptcy under Chapter 13. The filing prevents the lender from proceeding with foreclosure. It also produces a plan allowing the homeowner to catch up the amount in default over time.

Bottom line: If you're having trouble making mortgage payments, don't delay. Contact an attorney providing Washington forclosure help today and save your home.