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When borrowers default on loans or are late paying mortgages, banks and other lenders experience losses, too, and have a right to foreclose on a property. In fact, it is important for lenders and financial institutions to understand and protect the rights they have. If you are a lender requiring legal assistance in initiating an action to foreclose in either Georgia or Tennessee, contact Richard B. Maner, P.C. – Atlanta’s experienced foreclosure attorney.

Because defaulters have rights as well, the foreclosure process can be highly complicated and lengthy. When you represent yourself, you are considered a “pro se” litigant and often taking this avenue of representation can delay cases. Many courts recommend legal counsel for lenders so that proceedings may be accelerated and so that appropriate legal documents can be prepared.

For these reasons it is important to retain legal counsel who understand real estate, banking, and mortgage law. Richard B. Maner, P.C. has this experience and keeps your valuable interests in mind, while advocating and protecting your bank or lending company.

What to Expect During Foreclosure

It is possible that borrowers may develop defenses to fight foreclosure actions against them, so having acceptable legal documentation and title reports in order is a very important step. Common defenses among borrowers fighting foreclosure include:

  • Unfair lending practices

  • Foreclosing party can’t prove it owns the mortgage

  • Foreclosing party didn’t follow appropriate state law procedures

  • Unfair mortgage circumstances, or unconscionability

Our experienced legal team will assure timely and cost effective resolution. Sometimes keeping a borrower in the property is better for both parties; if complete recovery is not an option, Richard B. Maner, P.C. can help in other foreclosure matters such as:

  • Deficiency judgements

  • Payment arrangements

  • Loan workouts

  • Deed-in-lieu of foreclosure

  • Handling REO and third party closings

  • Renegotiating loans

Contact Richard B. Maner, P.C. for Your Foreclosure Case

If you are a lender, financial institution, or bank seeking legal counsel regarding foreclosure matters, contact our experienced attorney by phone at (404) 252-6385, or by e-mail.  E-mail Richard or E-mail Dene.