latricemartinesq

Understanding the Foreclosure Process: A Step-by-Step Guide

Mon, 28 Aug 2023 18:36:32 GMT

Unfortunately, if you're a homeowner who has recently gotten behind on your mortgage payments, you may be in the middle of a foreclosure. At this time, the lender takes possession of your property, and it can have major consequences for you. According to SoFi Learn, South Carolina had the most foreclosures in 2022, with one in every 2,301 homes going into foreclosure, but these occurrences are still popular in our state of Texas. Here are some of the steps foreclosure attorneys will help you through.

Default

The foreclosure process begins with a default, which happens once you miss a payment or violate the terms of your mortgage agreement. They'll initially give you an official notice of such default and give you time to pay it off. However, if you miss the fault deadline, the foreclosure process will begin.

Notice of Sale

The County Recorder office will announce the date and location of the public auction where your home will be sold to the highest bidder. You'll also get an official notice in the mail of this notice of sale. The same notice will also be posted on your property. From that time, you'll have an additional three months to pay off the default or find another option.

Redemption Period

Luckily, you still have more time during the redemption period. You can stop the foreclosure process by working with foreclosure attorneys to pay off the loan fees and any penalties that have resulted from this issue. The amount of time of this redemption period depends on your state. Some states may only give you a few days to handle the situation. Others give you a few months or even give you a year.

Bidding

As mentioned, your home will go up for sale at a public auction to the highest bidder. This part happens if you can't settle the payment during the redemption process. Whoever gets the highest bid will walk away with a certificate of sale. A confirmation period with the court checks to ensure that the sale was legal.

Eviction

Once under new ownership, you must prepare to leave. You may have to leave within a few days or weeks once the eviction process starts. The amount of time that you have usually depends on your local or state laws. In reference to Texas, our experts will be able to break everything down for you.

Losing your home to foreclosure is harder than anything. Not only will you lose your home, but you will also have a hard knock on your credit for years to come. If you go through this process, the right legal professionals can help you. Contact our local foreclosure attorneys for more information.

Foreclosure Defense Strategies: Protecting Your Home and Rights

Fri, 04 Aug 2023 16:24:49 GMT

Facing the possibility of foreclosure can be a stressful and overwhelming experience. Keep in mind that you are not alone and there are foreclosure attorneys that can help. According to SoFi Learn, there were 248,170 foreclosure actions in 2022. It's important to remember that there are legal strategies and defenses available to help protect your home and rights. If you're at risk of foreclosure, foreclosure attorneys can help by using these strategies.

Loan Modifications

Many lenders are willing to work with you to get you caught up. Foreclosure attorneys can work with lenders on your behalf to modify your loan and help you get caught up. A loan modification is a process where the terms of your loan are modified to help you catch up on back payments.

Modifications can include reducing the interest rate, extending the loan term, or changing other terms of the loan. While the bank reviews the documents, foreclosure actions are put on hold. Applying for a loan modification with the assistance of an attorney can be an effective way to prevent foreclosure and keep your home.

Legal Defenses To Foreclosure

To save your home, it is essential that you get expert legal advice. Some possible legal defenses may include improper foreclosure procedures, violations of consumer protection laws, or errors in loan documents. Lenders must follow strict guidelines when they file foreclosure documents and often don't. Their errors can be your home's saving grace.

An attorney experienced in foreclosure defense can help assess your case and represent you in court. Legal defense against foreclosure may save your home. Enlist the help of a foreclosure attorney ASAP.

You Have Rights

There are laws that protect consumers that can be enacted to protect you from losing your home. You have rights as a homeowner, and you have rights to defend your home. Working with an attorney that can protect your rights is essential in any court action. Don't try to navigate the process on your own. The banks have teams of attorneys on their side. You need to even the playing field by hiring your own attorney.

Your home is worth saving. You have the right to fight back against foreclosure. Call and speak to the foreclosure attorneys that will work hard to save your home. Hamilton & Childs Law, PLLC is here to help.

How Can a Lawyer Keep Your Divorce On Track?

Thu, 29 Jun 2023 14:22:12 GMT

A divorce can be a contentious experience, even when the parties are both amicable towards the dissolution of the marriage. According to Divorce.com, when a divorce is contested, it can drag on for years in a worst-case scenario. The right family attorney can help keep your divorce on track while protecting your interests.

Objective Viewpoint

The divorce process can bring out the worst in even the most levelheaded person. When custody issues are involved, the situation can become even more difficult. A good family attorney can help all parties remain objective. With their objective viewpoint, they can help steer the process away from getting mired in personal attacks and recrimination. The right lawyer can help keep the process moving forward without devolving into petty arguments, score-keeping, and revenge tactics.

Pitfall Avoidance

There are many pitfalls that can be a part of the divorce process. It's all too easy to fixate on one aspect of the case while losing focus on the overall picture. When your lawyer is able to communicate with you in an honest and straightforward manner, it's a lot easier to navigate away from these pitfalls. If your priority is to get divorced as efficiently as possible and get on with the process of rebuilding your life, the right attorney can help you meet that goal. No one wants a divorce to drag on for years, but without the right counsel, it is something that can easily happen.

Prioritizing Outcomes

Unfortunately, whenever there's a legal dispute or a dissolution of a partnership, it's rare that all parties get everything they want. Your lawyer can help you remain focused on fighting for the most important outcomes while allowing some flexibility with less important matters. Open communication with your lawyer is vital. For example, if full physical custody of your children is the most important outcome for you, fighting for the car or other material possessions isn't necessary. Your lawyer can help you obtain your desired outcome while helping you see that some things aren't worth the battle.

If you're in need of a divorce lawyer or family attorney, our legal firm is here to help. We can help you keep your divorce on track while protecting your needs and those of your children. Contact us today to learn more about our services and schedule your consultation. We look forward to working with you.

What to Expect From Your Divorce Proceedings

Wed, 31 May 2023 16:08:31 GMT

The last thing you want to happen when you get into a marriage is divorce. However, there are times when it's in the best interest of everyone involved, including your kids, to break things off and file for divorce. Divorce proceedings can be overwhelming, but knowing what to expect and consulting a family lawyer can help you navigate the process. Here's what you need to know.

1. Don't Expect to Win

Most divorcing couples go through the divorce process trying to beat their partner in the court proceedings. The truth is there's rarely a winner in divorce. It typically involves various issues like the division of property, child support, and child custody.

Divorcing partners rarely get everything they want. For instance, one spouse could be granted primary physical custody of the kids but get considerably less spousal support than requested; trying to "win" is pointless because it's virtually impossible to distinguish between the "winner" and the "loser.

"Instead, consider the consequences of a full-fledged legal dispute before choosing that route. A family lawyer can help you with this. Along with the tens of thousands of dollars, you'll spend, your kids may end up being the collateral damage of your heated divorce battle. After the dust settles, you won't even remember who ''won.'

2. Don't Believe Everything People Tell You

Your divorced friends or acquaintances will likely try to offer advice about how your divorce should go. Unfortunately, what they tell you isn't necessarily going to be true. Every divorce is unique.

Although your friends might think what transpired in their divorce is typical, don't base your decisions on what they went through. Instead, trust the counsel you receive from your lawyer, financial consultants, and mental health specialists. They have experience with cases such as yours.

3. You May Need to Involve Other Professionals

Most divorce cases involve the distribution of assets such as retirement funds, stocks/bonds, and real estate, but the issue of custody and visitation is also common. These processes often involve hiring other professionals. For example, if you need to have a financial asset valued, such as a piece of real estate or business, hiring a real estate appraiser forensic accountant may be necessary. You may also need to consult a financial advisor or certified public accountant because there are likely some tax implications you must be aware of before distributing certain assets. Hiring a custody expert or mediator can be helpful if you're finding it hard to agree on custody and parenting time.

4. Have Reasonable Expectations

Divorcing partners often set goals that are illogical or illegal. Consult your family lawyer to understand how the law affects your situation to help you set a logical expectation about the outcome. For example, while you may want the process to progress quickly, even uncontested divorces took an average of eight months, according to Forbes.

Going through a divorce is never easy, but knowing what to expect can help. Give us a call today to book a consultation with our family lawyer.

Navigating Foreclosure Processes with a Houston Foreclosure Law Firm

Wed, 31 May 2023 13:52:21 GMT

Hamilton & Childs takes on a five-year-long squatter dispute case.

Texas stands unique amongst the states for its dual-system of foreclosure procedures, both judicial and non-judicial. The type that applies to your home depends on your specific financial and lending circumstances. In this article, as a leading Houston Foreclosure Law Firm, we will guide you through the key differences between these foreclosure processes, preparing you to better understand and respond to your situation.

Judicial vs. Non-Judicial Foreclosure: An Overview

The primary distinction between these two foreclosure processes lies in whether your lender must go to court before proceeding with the foreclosure of your property. Here are their definitions for your understanding:

Judicial Foreclosure: In this case, your lender needs to procure a court judgment before the foreclosure of your home.
Non-Judicial Foreclosure: Here, your lender can foreclose without involving the court, as long as the deed of trust includes a power of sale clause, which authorizes the non-judicial foreclosure sale.

Which Foreclosure Process does Texas follow?

Non-judicial foreclosure is the most common process in Texas, particularly with purchase money loans and rate-and-term finances.

However, Texas, uniquely, allows both judicial and non-judicial foreclosure processes. Judicial foreclosure becomes mandatory in situations involving home equity loans, reverse mortgages, property owner’s associations, and property tax scenarios.

Implications of Non-Judicial Foreclosure for a Texas Homeowner

Being the predominant foreclosure process in Texas, a non-judicial foreclosure can be daunting for homeowners struggling to meet timely payments. The non-judicial process, not requiring court involvement, could result in you losing your home swiftly.

Here's how the non-judicial foreclosure process typically unfolds in Texas:

The lender can provide a 20 days' default payment notice to the borrower. Following this, they send a notice of sale at least 21 days before the sale occurs, usually via a 30-day breach letter. The foreclosure can then proceed. Foreclosure sales occur on the first Tuesday of each month, with the property sold to the highest bidder.

This timeline, approximately a month, is significantly faster than the judicial foreclosure process, which could take around a year. As a homeowner, it leaves little time for you to research your options, devise a solution, and retain your home.

Facing Foreclosure Risk? Reach out to your Houston Foreclosure Law Firm

If your Texas home is at risk of foreclosure, you must act swiftly, irrespective of whether it's a judicial or non-judicial process. Prompt action often presents more available options.

To help you negotiate this challenging time, explore your options, and potentially save your home from foreclosure, consider getting in touch with us , your trusted Houston Foreclosure Law Firm. Our seasoned foreclosure relief attorneys are equipped to guide you through this daunting process.

Hamilton & Childs takes on a five-year long squatter dispute case

Fri, 05 May 2023 19:36:31 GMT

Hamilton & Childs takes on a five-year-long squatter dispute case.

Summary: Hamilton & Childs takes on a squatter dispute case that has left a homeowner powerless for over five years.

Houston, TX–Hamilton & Childs has recently taken on a case of an ongoing battle against squatters. The case has been open for over five years and has reached the Texas Supreme Court. Although the tenants won in court, the squatters continue to abuse loopholes that allow them to stay inside the home for an indefinite amount of time.

Squatting has become a serious issue with the number of cases rising every year. These individuals can occupy houses against the will of the homeowner and are offered legal protections from both the state and federal levels. If the squatter can make it obvious that they live on the property and are able to reside there for several years, then it’s possible for the squatter to legally own the property through adverse means.

Hamilton & Childs will be taking a strong stance against these state and federal protections on behalf of their client; a homeowner that has been fighting against squatters in their home for the better part of five years. While the case reached the Texas Supreme Court in a victory for the homeowner, the squatters continue to occupy the home and are protected due to federal and state laws.

Many homeowners in Texas are concerned about the possibility of squatters taking over their properties. As such, they will be closely watching the case in hopes that the federal and state laws are changed to be more accommodating for homeowners. Hamilton & Childs hopes to send a message to squatters that their behavior will not be tolerated and that homeowners can protect their properties.

As squatters continue to take advantage of the legal system, law firms like Hamilton & Childs will continue to protect the interest of homeowners and tenants alike.

For more information, please refer to the contact details below to get in touch with Hamilton & Childs Law, PLLC.

Web: https://www.law-hc.com

Contact: LaTrice Martin

Address: 700 Milam St. Suite 1300 Houston, TX 77002

Phone: 713.732.0207

Email: me@LaTriceMartin.com

Hamilton & Childs fights to defend local pastor facing eviction from a church

Fri, 05 May 2023 19:30:00 GMT

Hamilton & Childs fights to defend local pastor facing eviction from a church.

Summary: Houston law firm Hamilton & Childs prepares to defend a local pastor who is facing eviction from a church after the landlord passes.

Houston, TX–Hamilton & Childs has recently announced their intent to fight for a local pastor who currently faces eviction due to the passing of the landlord of the church that he resides in.

A local pastor, Patrick Sutphen, is facing eviction from his church due to the landlord’s oversight in failing to disclose a holographic will to their living heirs. Despite decades of service as pastor of the church, the living heirs are fighting to evict the pastor in an attempt to claim the church as their rightful property.

Hamilton & Childs is dedicated to providing outstanding legal representation. As professionals in the field, they understand the plight that fell upon the pastor and their unique circumstances. The law firm recently announced that they would be fighting for the pastor so that they may keep the church. However, they also want to use the case to send a clear message to other churches. They are advocating that all churches should form religious organizations under a 501c3 and put the 501c3 inside a trust to avoid future cases like this.

For more information, please refer to the contact details below to get in touch with Hamilton & Childs Law, PLLC.

Web: https://www.law-hc.com

Contact: LaTrice Martin

Address: 700 Milam St. Suite 1300 Houston, TX 77002

Phone: 713.732.0207

Email: me@LaTriceMartin.com

3 Signs You Need a Divorce Attorney Representative

Tue, 25 Apr 2023 18:25:58 GMT

Filing for divorce is never easy, even if you and your partner have decided to go your separate ways amicably. In 2022 alone in the U.S., more than 820,000 divorces were filed, with the total number of divorces in the country topping a whopping 8.3 million since 2000, according to the U.S. Census Bureau. If you are in the process of a divorce, there are a few tell-tale signs that you may need a divorce representative to help navigate your case.

1. Your Relationship is Volatile

In many cases of divorce, partners may have a volatile relationship with one another towards the end. This may be to ending the marriage unexpectedly, infidelity, or other forms of deceitful behavior. If your relationship is volatile and you are unable to communicate with your ex in a civil manner, it's likely best to turn to a divorce representative to help act as a mediator between you and your soon-to-be ex-spouse.

2. You Are No Longer Speaking

At times during a divorce, it's not uncommon for two individuals to stop speaking to one another, especially if the divorce is still raw and new. If you are no longer speaking to your ex, it can be difficult to negotiate living arrangements, property ownership, and other elements that are often involved in a marriage. When you are unable to communicate with your ex regarding your relationship and the division of belongings, it's best to turn to professionals such as divorce attorneys. A divorce attorney will work as a mediator to attempt to communicate with your ex throughout the divorce proceedings.

3. You Cannot Come to an Agreement

For some couples, communicating may not be an issue. However, coming to a solution that works for both parties involved is an entirely different story. Agreeing on property division and splitting up personal belongings can be a tedious and arduous task, especially without the help of a professional divorce attorney. A divorce representative can ensure the process goes as smoothly as possible, all things considered.

Although getting divorced is not a simple process, it can be streamlined with the proper legal counsel by your side. With the right divorce representative, you can begin to move forward with your life knowing your paperwork and legal filings are in the right hands.

Are you seeking a divorce representative for your own case? We can help. We understand that the legal system can overwhelm and intimidate anyone, which is why our professionals here at Hamilton & Childs Law, PLLC. are here to help. Visit our website to learn more today.

Comprehensive Legal Support for Foreclosure, Reverse Mortgage, Real Estate, and More at Hamilton & Co Law, PLLC.

Tue, 25 Apr 2023 00:03:28 GMT

Dealing with foreclosure, reverse mortgage foreclosure, real estate matters, and loan modification can be overwhelming and complicated. At Hamilton & Co Law, PLLC., we offer expert legal counsel and guidance to help you navigate these complex issues with confidence. In this article, we'll discuss the services we provide in these key areas, emphasizing our commitment to delivering personalized legal solutions tailored to your unique needs.

Foreclosure Attorney at Hamilton & Co Law, PLLC:

Facing foreclosure can be a daunting experience, but our skilled foreclosure attorneys at Hamilton & Co Law, PLLC. are here to provide the guidance and support you need. We specialize in various aspects of foreclosure law, including loan modifications, forbearance plans, repayment plans, and evictions. Our legal team is dedicated to protecting your rights and exploring all available options to help you regain control of your financial situation.

Reverse Mortgage Foreclosure:

At Hamilton & Co Law, PLLC., we understand the unique challenges that come with reverse mortgage foreclosure, particularly for senior homeowners relying on their home equity for financial security. Our experienced attorneys are well-versed in the intricacies of reverse mortgage agreements, providing expert guidance on your rights and representing you in any legal proceedings that may arise. We strive to find the most appropriate solution for your specific situation.

Real Estate Lawyer:

Navigating the complex world of real estate transactions requires a knowledgeable real estate lawyer to safeguard your interests. At Hamilton & Co Law, PLLC., our real estate attorneys specialize in a wide range of property law matters, such as property disputes, lease agreements, title searches, and closings. We work closely with our clients to ensure all transactions are legally sound, providing peace of mind throughout the process.

Affidavit of Heirship:

An affidavit of heirship is a crucial legal document used to establish the rightful heirs to a deceased person's estate when there is no will in place. Our compassionate attorneys at Hamilton & Co Law, PLLC. can assist you in drafting and filing an affidavit of heirship, ensuring the proper distribution of the deceased's assets according to the law and the wishes of the rightful heirs. We recognize the sensitivity of such matters and handle them with care and professionalism.

Loan Modification:

At Hamilton & Co Law, PLLC., our foreclosure attorneys understand the importance of loan modification as a tool for homeowners facing financial difficulties and struggling to meet their mortgage obligations. We have extensive experience in negotiating loan modifications with lenders on behalf of our clients, aiming to find a mutually beneficial solution that makes mortgage payments more manageable and helps avoid foreclosure.

Here at Hamilton & Co Law, PLLC., we pride ourselves on offering comprehensive legal services for foreclosure, reverse mortgage foreclosure, real estate law, affidavit of heirship, and loan modification. Our team of experienced attorneys is dedicated to providing personalized, client-focused solutions that cater to your specific needs. Contact us today to discuss your legal requirements and let us help you successfully navigate the complexities of these challenging issues.

What Constitutes a "Wrongful" Foreclosure?

Mon, 27 Mar 2023 12:55:48 GMT

A foreclosure usually occurs when a borrower cannot stay current on mortgage payments for an extended period of time. When local economies are in bad shape, foreclosures generally rise in number. Sometimes, wrongful foreclosures are filed and property owners have to challenge them in court. Keep reading to find a rundown on wrongful foreclosures.

Instances of Wrongful Foreclosures

The Pew Research Center says Las Vegas was among the national leaders for the most foreclosures during the Great Recession that lasted from about 2008 to 2012. More than 5 percent of homes in the greater Las Vegas area were subject to foreclosure, while the national average at that time was 1.8 percent. More recently, according to SoFi Learn, South Carolina led the nation in foreclosures with one for every 2,301 homes subject to foreclosure in 2022. That is a much smaller percentage than Las Vegas and similar locales posted during the Great Recession.

Foreclosures Must Have Merit

Receiving notice of a pending foreclosure never is a happy moment for any property owner, but the matter is not automatic. The foreclosure must have legal merit, but many do not. A foreclosure often comes from a mortgage lender, but others also could file a foreclosure on a property. A homeowner might default on a mortgage or not pay for work done on the home or its adjacent property. A foreclosure attorney can determine if the foreclosure is legitimate or if you should oppose it.

How Wrongful Foreclosures Work

When a person or business entity initiates a foreclosure without legal cause, it is termed a “wrongful foreclosure.” An experienced foreclosure attorney can help homeowners and other property owners successfully challenge wrongful foreclosure actions against their properties. A wrongful foreclosure might occur because there simply is a mistake that your attorney can help you to correct. The filing party might have lost track of your payments or maybe got the account numbers mixed up.

It also is possible that the party that filed the foreclosure is committing fraud by falsely claiming you own money for a loan or services provided. An attorney can help to review the cause of action and challenge any falsehoods or mistakes that the filer might have made.

You can meet with an experienced foreclosure attorney by contacting Hamilton & Childs Law, PLLC to schedule an initial consultation. Our attorneys help homeowners and other property owners to understand their legal rights and challenge wrongful foreclosures whenever possible. Call us today for assistance!

4 Signs It's Time to Call a Foreclosure Attorney

Wed, 08 Mar 2023 18:05:46 GMT

According to SoFi Learn, almost 250,000 foreclosures were initiated in the U.S. in 2022. This is a 169% increase from the previous year. With so many foreclosures, it's essential to get help from a foreclosure attorney in order to protect homeowners. Knowing when it's time to call a foreclosure attorney can help make the situation more manageable and less stressful. Here are some signs that indicate it may be time to contact a foreclosure attorney.

1. You've Missed Payments on Your Mortgage

If you've missed payments on your mortgage, then it's time to call a foreclosure attorney. Foreclosure usually begins when you're four months behind on payments. Once the foreclosure process is started, an attorney can help you negotiate with your lender to make arrangements and keep your home from being taken away.

2. You've Received A Notice of Foreclosure

Once the lender has filed a notice of foreclosure, it's time to contact a foreclosure attorney. Foreclosure attorneys are experienced in helping homeowners and they understand the laws and regulations pertaining to foreclosure proceedings. An attorney can represent you and help you fight to keep your home.

3. You Have Questions or Don't Understand Your Rights

If you don't understand your rights as a homeowner or have questions about the foreclosure process, then it's important to call an attorney. Foreclosure attorneys can explain the laws and regulations in detail and give advice on how to protect yourself throughout the process. They can also help you negotiate with the lender to make arrangements that can help prevent foreclosure.

4. You Have Limited Time to Respond

Foreclosure proceedings move quickly and if you don't respond in time, you could lose your home. If you're running out of time to respond, then it's important to contact a foreclosure attorney as quickly as possible. An attorney can help you understand the time frames and deadlines and make sure you take steps to protect yourself. In addition, an attorney can help you negotiate with the lender to make arrangements and potentially save your home.

These are just some of the signs that indicate it's time to call a foreclosure attorney. Foreclosure attorneys have experience in protecting homeowners and they know the laws and regulations that apply to foreclosure proceedings. If you're in danger of losing your home, contact a foreclosure attorney as soon as possible. For more help, call us today to get started.

How Loan Modifications Can Help You With Your Mortgage

Tue, 07 Mar 2023 15:51:22 GMT

Just about everyone goes through financial hardships at some point. Unfortunately, a poorly timed one can put your home in danger. Because of your financial troubles, you may have to miss your next mortgage payment.

What's even more concerning is the likelihood you may have more trouble paying your mortgage if things stay as they are. Thankfully, you can get a loan modification to escape that difficult situation. A loan or mortgage modification changes the terms of your existing loan so you can make payments more comfortably.

To qualify for a loan modification, your mortgage should be tied to your primary residence. Your financial troubles must also be related to a family death, divorce, or some unforeseeable calamity. Does it make sense for you to pursue a mortgage modification? Find out by continuing below.

A Loan Modification Can Lower the Interest Rate for Your Mortgage

According to SoFi Learn, a typical 30-year fixed mortgage came with an interest of 6.33% as recently as January 12th of 2023. In 2022, the average interest rate for a similar mortgage was 7.08 percent. That's a pretty significant interest disparity for similar loans to have. It's one of the leading reasons why you should be interested in a mortgage modification.

Securing a lower interest rate for your mortgage can make a massive difference. That kind of change can positively impact your financial situation immediately. Work with a lawyer to get that lower rate when you pursue your loan modification.

You Can Switch to a Fixed-Rate Mortgag

eAside from securing a lower interest rate for your loan, you should also consider switching to a fixed-rate structure. Locking it in makes a ton of sense if you like the new interest rate for your mortgage. That way, you can continue enjoying the financial benefits of your decision long-term.

Of course, there is also some risk involved here. Locking in your selected rate now could mean missing on potential savings down the line. Then again, the stability of that fixed rate may be more helpful during a trying time.

Lengthen the Repayment Period for Your Mortgage

A mortgage modification can also extend the repayment period for your loan. You'll ultimately have to pay the same amount if you ask for this modification, but the longer term will reduce your monthly obligations. Tacking on that extra time to your repayment period may not be a big deal because you know you'll be in a better spot financially by then.

Defer Payments on Your Mortgage through Forbearance

One more option involves using a loan modification to seek forbearance. Forbearance allows you to defer payments or pay only the interest on your mortgage for a set period. You will still have to pay the loan in full eventually, but you can take advantage of the reprieve now.

If you're having difficulty making your mortgage payments, remember that seeking a loan modification is an option. Change the terms of your loan so you can experience the relief you desperately need. Let us negotiate with your lender and secure the best terms for your modified mortgage. Give us a call today.

Legal Services offered at Hamilton & Childs Law, PLLC.

Wed, 25 Jan 2023 16:02:59 GMT

Legal Services offered at Hamilton & Childs Law, PLLC.

Are you looking for a team of experienced Law attorneys to be in your defense when taking on the Judicial System? If so, here at Hamilton & Child’s Law we pride ourselves in understanding the importance of our client’s needs and ensure our services can be of help! Our Team of attorneys can assist with legal services in a variety of areas such as Real Estate, Family Law, Foreclosure, Personal Injury, Eviction, Affidavit of Heirship, and Loan Modification. Contact our team of attorneys today to schedule a consultation! We would love to help!

Why Should I Seek A Real Estate Attorney?

Real Estate Attorney’s focus aims at the buying and selling of homes in addition to proprietorship and agreeability for their clients. The most common reasons buyers should seek a real estate attorney due to personal homes and particular investment properties that include tax considerations, related to property purchases.

3 things you should know about Family Law

Family Law is a variation of several issues including marriage/divorce, adoption/foster care, elderly, and child abuse or neglect.
Certain Family Law Regulations vary from state to state and won’t always apply in certain jurisdictions.
Lastly, the most important fact to know about Family Law is understanding your rights and ensuring you are abiding by the rules and regulations implemented in the family law system.

What steps should I take after foreclosure and or eviction?

Typically after a foreclosure lawsuit the homeowner is forced out of the home and expected to move immediately before legal action is taken. The good thing is that some investors and or new home buyers may offer assistance with the rapid move. In other instances, any current homeowner facing foreclosure or eviction has a choice in creating an agreement with the new homeowner entitled “cash for keys,” getting the home back in the phase of vindication and exterminating the home for the new homeowner. Seeking an attorney for this circumstance won’t be hard at all, here at Hamilton & Childs Law, PLLC. We can ensure our team of attorneys are ready to serve you and make this process less pressuring than it must be. Don’t wait till the damage is done, Give us a call today!

How Do I Determine When to Use Affidavits of Heirship

The number one factor to take into consideration when determining when to use Affidavits of Heirship is the different variations of the decanted. This is based on the number of individuals surrounded during that time and based on recollection of the deceased’s family history. Ultimately, there is no other way to prove the decent’s heirship without evidence and even then it still would be conjectural.

Loan Modification Teasers

Did you know there is no limit on how many times you can modify your loan? Whoever your lender has the choice to exceed your loan eligibility and get you approved for up to three loan modifications.

Hiring a law firm with an experienced team in Loan Modification can make this process undemanding and allow you a chance to keep your sacred home! In the event you find yourself under these conditions be sure to reach out to one of our team attorneys, we guarantee customer satisfaction.

Brunch Anyone?

Top of the year and who doesn’t love brunch, especially in a family setting, at Hamilton & Child’s Law, PLLC is providing an educational session for families, businesses, groups of friends, and ministry communities. This particular educational setting isn’t the norm, we placed the setting as a group brunch to provide a more family-oriented environment for our clients. In addition to this, the brunch is very beneficial for families due to the lack of knowledge regarding Will and Will Packages, Trust, Death upon deeds, Transfer Title, and lastly Affidavit of Heirship. Our Team Of Great Attorney's ready to educate your groups or families on the importance of Legacy and Estate Planning.

What Happens Now That the Covid-19 Foreclosure Moratorium Has Ended?

Mon, 20 Sep 2021 23:04:07 GMT

Back in March of 2020, the United States government banned banks from foreclosing on homes. The idea was to help out American families who may be experiencing financial straits because of the COVID-19 pandemic, but as of early August, the foreclosure moratorium has ended. This will affect many people; an estimated 1.75 million homeowners are currently in some forbearance plan. Now that the relief has ended, what can homeowners do?

You May Still Be Eligible for Some Relief

If you are still struggling financially due to the pandemic, you may be entitled to ask for an extension. According to the Consumer Financial Protection Bureau, you are eligible for an extension as long as you haven’t reached the 18 maximum months of forbearance as listed in the CARES Act. But you need to ask to get this extension, so don’t hesitate.

You Have Some Time

As per federal law, foreclosure proceedings must wait at least 120 to start, after the foreclosure moratorium ended. So this time gives you a good grace period for you to discuss your next steps with our team.

You Have Options

You may be able to restructure or refinance your loan, depending on your personal situation. Or, you may be able to tack on your remaining balance onto the back end of the mortgage. Right now, the nationwide housing market is booming, so banks have little incentive to completely put delinquent homeowners into foreclosure. Explain your situation, and see what options are available to you.

There Are Additional Relief Options

The Department of Housing and Urban Development is committed to prevent foreclosures. To do this they aim to provide homeowners with a 25% reduction in borrower’s monthly principal and interest payments. This will be implemented within the next few months.

The team at Hamilton Legal Services wants to help you keep your home. We can help you with this unprecedented situation, so give us a call today .

Can You Sell Your Home While It's in Foreclosure?

Mon, 16 Aug 2021 16:15:23 GMT

When you purchase your home, you rarely even consider the chance of foreclosure. If you find yourself in this unexpected and unfortunate situation, however, an estate attorney can help you answer tough questions.

Avoid Foreclosure With a Foreclosure Attorney

Mon, 19 Jul 2021 18:50:41 GMT

Owning a home is one of the key components of "The American Dream," to have your own piece of property that you can do whatever you want with, at any time. Most people cannot afford to buy their property outright and must get a mortgage to afford it. While this has allowed many people of modest means to own property, it unfortunately means that some people default on their mortgages and can no longer pay. This is called the foreclosure process and can be fraught with emotions and hurt feelings.

Of course the bank or lending company would rather that you not be kicked out of your home and pay the mortgage instead, but if you cannot, then foreclosure is the only option. Instead of doing something drastic or terrible, it's far better to call a foreclosure attorney in your area so that they can help you navigate the process until the end or find an alternate route to take. Once you see how a foreclosure attorney can benefit you, you'll never want to go it alone.

Terms Can Be Negotiated

When foreclosure happens to you, it can seem like the end of the world and more. A legal document asking you to vacate your house and move out of your home is not only personally devastating, but emotionally trying. Having no place to turn or negotiate, you might think about giving up. We'd ask you to reserve these feelings until you've consulted with an estate lawyer or foreclosure attorney who might be able to negotiate terms in your favor, such as lowering the interest rates or deeding the property to a trusted friend or family member.

They Will Know Your Area Better Than Anyone

No one foreclosure is the same, but typically a mortgage lender may begin the foreclosure process upon a 90 days delinquency. Because state and local laws may differ wildly, you'll want to get a competent foreclosure attorney who knows the exact ins and outs of your particular area so that you don't get blindsided with a judgment or worse. When you seek out a local foreclosure lawyer who has helped other homeowners or families in your area, they'll be able to draw on their experience to help you out as well. Don't think that you can go it alone, especially if you live in a changing metropolitan area where the laws may have recently been updated or rewritten.

It's Not Personal

Because a home is such a personal piece of property, oftentimes the foreclosure process can seem intensely personal. A qualified and reputable foreclosure attorney will acknowledge that the process is simply legal, but it has wide-ranging personal significance to you. Instead of berating people at the bank or lending company about how they are ruining your life, you can offload the emotional labor and work to your foreclosure attorney who will be able to delegate and deal with the process in a detached manner that works for you. Emotions can be tricky when it comes to foreclosures, and your foreclosure attorney can help tamp these down to manageable levels.

Get the Law on Your Side

You've worked hard for your home, so why would you want to give it up without a fight? When you hire a foreclosure attorney to help you with the foreclosure process, you may be able to get more favorable terms or stop it entirely. In some cases, there will be little that can be done in terms of what happens to your property, but it's worth fighting for, isn't it? In some cases, the deed to your property and other assets can be transferred to family and friends to save or hold for you until you get back on your feet. At the end of the day, the bank doesn't want your property, they want money for the mortgage to be repaid. A quality foreclosure attorney or estate lawyer can help them make arrangements in your favor. If you're in need of property lawyers for a recent foreclosure started against you, why not give Hamilton Legal Services a call? If you're in Houston, TX and need the law on your side, you couldn't ask for a better partner!

5 Essential Questions to Ask Your Prospective Foreclosure Attorney

Fri, 18 Jun 2021 20:52:40 GMT

Foreclosures can be long and complex. In the last quarter, they took an average of 841 days. While you can handle a foreclosure on your own, hiring a foreclosure lawyer to help you with your foreclosure can help you with the tedious process. But before you hire an attorney to help you with your foreclosure, here are some questions you should ask your prospective attorney.

1. What’s Your Experience Handling Foreclosures?

Foreclosures can be fairly complex. For an attorney to be adept at foreclosure law, they should have a wide range of knowledge on several legal areas such as contract law, bankruptcy, and civil litigation. If the prospective attorney is not conversant with these areas, he or she may not recommend the best course of action. Hiring an experienced foreclosure lawyer with knowledge of these fields can give you confidence and peace of mind. Ideally, you will also want to hire a foreclosure attorney who has handled cases that are similar to yours.

2. Do You Have Any References?

While experience is great, you can get additional insight by talking to other people the prospective foreclosure attorney has worked with before. Attorneys who have served satisfied and happy clients will be more than glad to provide references to boost your confidence in them. Ultimately, you will want to hire a foreclosure lawyer you are comfortable with.

3. How Will You Approach the Foreclosure Defense?

Some lawyers have only one approach, while others have multiple ones. Before you settle for a foreclosure attorney, find out the approach your prospective lawyer will adopt. Often, requesting a loan modification is usually the best course of action. However, some lawyers may recommend you file for bankruptcy, while others may propose litigation. Therefore, before you hire a foreclosure lawyer, find out the approach he or she will use to help you decide if it is in your best interest.

4. Will Anyone Else Work on My Case?

Since foreclosure cases can be fairly long, sometimes multiple people may work on your case. Ask your attorney if other people, such as paralegals, will help with your case. Additionally, ask if the prospective attorney will do the bulk of the work. Ideally, you will want to work with an attorney who prioritizes your case.

5. What’s Your Payment Plan?

Money is a delicate topic, but it is an important issue to raise with the prospective attorney during the preliminary stages. Typically, many attorneys usually charge an hourly rate for their services. However, since hourly rates can be unpredictable, some attorneys charge a flat monthly fee. Clarify your prospective attorney’s payment plan to avoid surprises down the road. Also, do not be hesitant to negotiate a better price. However, bear in mind that when it comes to legal services, cheap can be expensive.

Foreclosure Attorney in Houston

If you fall behind on your mortgage payments, the thought of losing your home can be daunting. But do not fret. Our team of estate law and foreclosure lawyers in Houston is available to help you navigate the foreclosure process. Need help with your foreclosure? Book an appointment today to obtain legal assistance.

What Is a Reverse Mortgage and is it Right For Me?

Tue, 01 Jun 2021 18:50:21 GMT

Discover what a reverse mortgage is and how it can help you.

Make Estate Planning Infinitely Easier Using a Probate Lawyer

Thu, 15 Apr 2021 17:52:47 GMT

You do not have to hire a probate lawyer, but it is in your best interest to hire legal counsel since the process of probate can become quite difficult.

Do I Need an Estate Lawyer?

Wed, 17 Mar 2021 17:27:39 GMT

A lot of people wonder if they need an estate lawyer, and the answer is, yes. An estate lawyer can help you protect everything that you worked so hard for.

5 Tips for Hiring a Foreclosure Attorney

Mon, 22 Feb 2021 19:12:03 GMT

Are you struggling to keep up with your mortgage payments? Do you worry that you may lose your Houston property through a foreclosure ? Consulting a foreclosure lawyer can significantly improve your chances of saving your home.

The quarterly U.S. Foreclosure Market Report by ATTOM Data Solutions showed there were 143,105 properties with foreclosure filings in the third quarter of 2019. Even if the situation seems out of your control, it would be best to talk with an attorney to identify the options you have to stop or slow down the foreclosure process.

But how do you find the right foreclosure lawyer in Houston? Here are some tips to guide you through the hiring process.

1. Don’t Put It off Until Later

When dealing with the pressures of a foreclosure, it’s smart to speak to an attorney as soon as you think you are at risk of losing your home. The longer you wait, the worse the situation may get. A foreclosure attorney in Houston can help you understand your rights and ensures that the mortgage lender follows the due process. Depending on the specifics of your case, the lawyer can also help negotiate a loan modification or new repayment plans.

2. Get Organized

As you head out to scout for a foreclosure attorney in Houston, you may need to get your papers in order. You can create a chronology that details important events that led to your current situation. Let it be less than a page long. Additionally, carry vital documentation such as the loan agreement, bank statements, foreclosure notices, and any other correspondence between you and the bank. The lawyer can review the documents to verify that the lender did not engage in any unfair practices.

3. Research the Attorney and the Law Firm

Most people start their search by asking for recommendations from friends and family. You may also check online from the American Bar Association database. However, these attorneys aren’t necessarily vetted. You may need to conduct background checks on the foreclosure lawyer and their law firm. Do they have an active practice license? Have they been subject to disbarment or other disciplinary actions?

4. Find a Lawyer That Specializes in Foreclosure

Foreclosure law can be complex, varying from state to state. You want an attorney who thoroughly understands the steps and timescales that mortgage lenders must adhere to remain compliant with the law. Find out the attorney’s practice areas. You can find this information on their website. You may need to find an attorney that spends most of their days dealing with foreclosure and other financially-related cases.

5. Interview the Prospective Attorneys

To ensure that you find the right fit, book a consultation with the lawyer. The meeting allows you to learn how they work. Draft some questions that you can ask them during the consultation. For example:

What are your fees?
How can I contact you when I have any questions?
How many foreclosure cases have you handled in the past?
Are you licensed to practice?

Dealing with the risk of losing your home can be an overwhelming experience. You can learn more about controlling the situation by hiring a foreclosure or estate lawyer.

Are you facing foreclosure in Houston? Reach out to Hamilton Legal Services and have the benefit of an attorney by your side as you face your mortgage lender. content of your post goes here. To edit this text, click on it and delete this default text and start typing your own or paste your own from a different source.