California-Based Legal Firm Offers Protection against Foreclosure

Mesa Law Group, a law firm based in Costa Mesa, California is offering another option for troubled homeowners who are considering filing for loan modification, short sale, or bankruptcy to strategically postpone or prolong a foreclosure action. The firm introduces its Foreclosure Defense Program, which is especially provided to clients in ‘Trustee States’ (states where judicial review is not made part of the foreclosure process).

The program would force a trustee, which is reviewing a foreclosure case, to first address several comprehensive issues before the distressed property is finally auctioned. Mesa Law Group assures that in the duration of the Foreclosure Defense Program, the troubled homeowner would retain full ownership of the property. He could reside in the house without any threat for a specified time.

In a ‘Judicial Review State’, there is a requirement for a judge to review legality of foreclosure procedures to make sure active lending laws are always upheld. Such states include Florida, New Jersey, and New York. Meanwhile, in ‘Trustee States,’ a mortgage lender could employ an independent or third party as a replacement to a judge. The third party would conduct the review and facilitate foreclosure.

Mesa Law Group emphasizes that troubled homeowners in Trustee States need protection when facing foreclosure. The law firm underlines the current issues that involve so-called ‘robo-signers’ of banks. Robo-signers are personnel that sign and implement foreclosure documents in as fast as a day without any required review.

Foreclosure Defense Program specifically delays a foreclosure until a time when all possible violations get resolved prior to an Auction Sale Date. The program assures that the homeowner could stay in the property for about six months until about 40 months following the posting of Notice of Trustee Sale.

The time is expected to be used by the homeowner as a leeway, so he could find other options to avoid the foreclosure. He could get a loan modification or take a short sale. Mesa Law Group says the process helps avoid more expensive bankruptcy. It does not require transfer of property title and it empowers the homeowner in exploring helpful and effective options

.The law firm is a corporation that provides specialty financial services to consumers. It specifically helps borrowers in navigating and exploring bankruptcy, gives protection to people who need legal representation, and helps homeowners to effectively prevent possible foreclosure.

For more related news and information about foreclosures, check out the Website ForeclosureConnections.com.