• Looking For Mortgage Relief? - Find Out if You Qualify Today

Do You Need a “Foreclosure Defense Attorney Near Me?”

Do You Need a “Foreclosure Defense Attorney Near Me?”

Do You Need a “Foreclosure Defense Attorney Near Me?” 150 150 The Law Office of Nadia K. Kilburn

Browse by Topic

Mortgage Relief

Short Sales

Loan Modification

Distressed Sales

Liens and Judgments



Mortgage Servicers

Education Resources

Ask an Attorney

Glossary of Terms

“Foreclosure defense attorney near me.”

When you have had unexpected expenses, or a loss income, it can be hard to make ends meet. You struggle to pay for daily living expenses and the mortgage. If things go for too long, you’ll come home and find a foreclosure notice taped on your door.

That’s the moment you search for a “foreclosure defense attorney near me.”

What can a foreclosure defense attorney do for you?

A foreclosure defense attorney can:

  • Help you understand the government programs that may assist you with foreclosure prevention
  • Counsel you about your situation to determine whether the loan modification process can help you keep your home and stop foreclosure
  • Counsel you about other types of loss mitigation options that may help you stop foreclosure
  • Help you understand how foreclosure laws may protect you
  • Help you understand whether bankruptcy is the right option to help you stop foreclosure
  • Help you understand whether you are facing a judicial foreclosure or a non-judicial foreclosure.
  • Help you understand the timeline of your foreclosure process and how much time you have
  • Help you build a tailored plan for your particular situation

Do I need to find a foreclosure defense attorney near me?

The short answer to this question is: yes and no.

It’s important to retain an attorney in the state where you live in order to get the best representation because foreclosure laws are dictated by the state in which you live.

There are some attorneys who are licensed to practice in multiple states but sometimes, the type of representation you get with an out of state lawyer will be less tailored to your specific goals and needs.

A foreclosure defense attorney in your state will:

  • Understand the state-specific foreclosure protections that may apply to your situation (like foreclosure mediation!)
  • Understand the market issues impacting your home’s equity and selling conditions (this is particularly important if you want to try and sell your home as a last resort option to avoid foreclosure)
  • Understand your particular state’s type of foreclosure and the foreclosure timelines at play (some states have judicial foreclosures and others have non-judicial foreclosures and some states have both)
  • Being in the same time zone as you. Communication is a huge part of effective foreclosure defense representation. Being able to get in touch with your attorney is a big part of feeling like you hired the right party.

While you should retain a foreclosure defense attorney that is in your state, they do not necessarily have to be in your town

Since state laws are the same regardless of the city or town you live in, it works fine to retain an attorney that is in your state, but not specifically in your town.

It can feel weird to hire a lawyer that doesn’t live in the same city as you but for purposes of loss mitigation, it doesn’t matter.

I work with most clients now almost exclusively remotely.

We use email, fax, phone, Zoom and Skype to communicate. If there ends up being an in-person Mediation session, I drive to the session (of course) but most of these sessions are now being held remotely via Zoom and will continue to stay this way.

Loss Mitigation reviews (for loan modifications or short sales etc.) often happen in the same manner, no matter what state you live in

90% of all mortgages are backed by a government investor (Fannie Mae, Freddie Mac, FHA, VA or USDA). These guidelines are the same across the country and do not change depending on what state you live in.

So, while states govern the actual foreclosure process, what will happen in your loss mitigation review, what you qualify for, and what your mortgage servicer can offer you is determined by the investor on your mortgage not your individual state’s laws.

For example, a Fannie Mae mortgage worked by Mr. Cooper in Oklahoma will have the same guidelines governing a loan modification review as a Fannie Mae mortgage worked by Mr. Cooper in Washington.

So, if your goal is to apply for a loan modification, short sale, deed in lieu or some other type of loss mitigation review – if your attorney is in your state but not necessarily in your town, it’s okay.

I work with homeowners all over Washington State

Here is a list of cities where I have had clients:

Eastern Washington cities: Spokane, Yakima, Kennewick, Pasco, Richland, Wenatchee, Walla Walla, Dayton, Cheney, Moses Lake, and more.

Western Washington cities: Seattle, Tacoma, Vancouver, Kent, Everett, Renton, Federal Way, Auburn, Lakewood, Longview, Castle Rock, Aberdeen, and more.

Abdul thought he needed a “foreclosure defense attorney near me” but he ended up working with me from Chehalis, WA

Abdul was laid off for four weeks at the beginning of the COVID-19 pandemic. He accepted a COVID Forbearance plan from his mortgage lender to give him a break in mortgage payments for six months.

He was told by a lender representative that at the end of the six months, the missed payments during the forbearance period would be “added to the end of the loan” and he could just resume his regular payment.

After 6 months passed, he went to make his regular mortgage payment and the bank rejected his payment telling him he needed to fill out a document package for a loan modification.

Understandably, Abdul was confused. He was told that he could just resume his regular payments and he didn’t understand why the bank was asking him to complete a loan modification package. Things felt like they were starting to fall apart.

He retained me and we were able to get him on a Freddie Mac Payment Deferral plan. He did not have to go through modification review because he qualified for a payment deferral under the CARES Act.

I made sure we got his deferral agreement in writing and once the missed payments under the forbearance had successfully been added to the end of the mortgage, Abdul was able to resume his regular payment.

We worked together using fax, phone, and email communication.

Here are some questions to help you determine whether you need a “foreclosure defense attorney near you”

  • Can I find an attorney in my state familiar with state foreclosure procedures?
  • Am I able to communicate remotely with my attorney via fax, phone and email?
  • Is the person I’m talking to actually licensed and located in my state somewhere?

Answering these questions will help you hire the right person.

There are many companies offering to “help” homeowners in foreclosure who are actually scamming people.

One sign that you may be talking to a company that does not actually have your best interests in mind is that they may be located in a different state. This isn’t always the case but it’s something to be aware of.

If you are a homeowner in Washington state and are looking for a foreclosure attorney near you, feel free to give me a call at (425) 654-1674.

How Can I Help?

    By providing your phone number you agree to receive texts from The Law Office of Nadia K. Kilburn. You may opt out anytime by texting STOP. Standard msg and data rates may apply.

    Leave a Reply

    By providing your phone number you agree to receive texts from The Law Office of Nadia K. Kilburn. You may opt out anytime by texting STOP. Standard msg and data rates may apply.

    Back to top