West Virginia Foreclosure Attorneys

For most homeowners, the thought of losing their homes is a nightmare. But this is a nightmare that can really happen.

If you are at risk of losing your home, you should get legal advice as soon as possible. It may be possible to prevent foreclosure through a Chapter 13 bankruptcy filing or loan modification. You have invested too much time, energy and money into your home not to explore your options. Get legal help today.

West Virginia Attorneys Who Can Stop Foreclosure

Hamilton, Burgess, Young & Pollard, P.L.L.C., with offices in Fayetteville and Princeton, is a team of foreclosure defense attorneys that helps people keep their homes. We develop a customized plan for every client using the means most appropriate for the situation, including Chapter 13 bankruptcy, loan modifications and foreclosure defense litigation.

In a free consultation, an attorney can review your situation and explain how we can help you.

The Foreclosure Process In West Virginia

Some important facts about the foreclosure process in West Virginia include the following:

Nonjudicial foreclosures are allowed — This means that lender does not have to get court permission in order to foreclose.

90 days in arrears usually triggers a foreclosure action — If you have missed two consecutive mortgage payments, you are definitely in the danger zone.

Foreclosure letter — After three mortgage payments have been missed, the lender sends the case to a foreclosure trustee. The trustee will send the homeowner a notice of the impending foreclosure. The homeowner has the right to cure the arrearage by making the past-due mortgage payments, plus fees. If this is done, the lender will cancel the foreclosure.

Notice of trustee sale — This document will be served to the homeowner and other lien holders, posted at the county courthouse and published as a Class III legal advertisement once a week for four consecutive weeks.

The trustee sale — The property will then be sold at a public auction on the courthouse steps.

Sooner Is Always Better

While we can stop foreclosure at any time up until the foreclosure sale, the sooner you seek legal help the better. If you have missed a mortgage payment or you are having difficulty making your mortgage payments, you should take that as a sign that you need help. And keep in mind that by delaying the inevitable, you may be incurring additional interest charges and late fees with each passing month.

Free Consultation With A Lawyer

To learn more about West Virginia foreclosure laws and how we can help you, contact Hamilton, Burgess, Young & Pollard, P.L.L.C.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.