Schedule a free consultation with one of our experienced Los Angeles Zombie Mortgages Lawyers by filling out the form below or calling us at 415-273-8015.
Are you dealing with a home you thought you lost to foreclosure? Many Los Angeles homeowners are shocked to learn they still own properties they walked away from years ago. These “zombie mortgages” can cause serious legal and financial problems. Our Los Angeles zombie mortgage lawyers help homeowners tackle these challenging situations and find solutions.
Don’t let a zombie mortgage damage your future. Getting help from a lawyer who knows how to handle these cases is key. Call our Los Angeles zombie mortgage lawyers today at 213-394-6031 to learn about your rights and options. We’ll review your case and help you understand the best way forward.
Zombie mortgages are one of the scariest problems a homeowner can face. Like their namesake, these mortgages come back to life when you least expect it. If you moved out of your home during foreclosure but the bank never finished the process, you might have a zombie mortgage. Let our team at Shapero Law Firm help you understand what’s happening and how to fix it.
A zombie mortgage is a situation where a homeowner thinks their house has been foreclosed on and they no longer own it, but the foreclosure process was never actually completed. This means the homeowner is still legally responsible for the property and any related costs, even if they’ve already moved out. Zombie mortgages can be a major problem for homeowners in Los Angeles who may not realize they still own a property they thought they lost.
Zombie mortgages often happen when a bank starts the foreclosure process but then doesn’t follow through for some reason. Maybe the paperwork was processed wrong, or the lender decided it wasn’t worth the cost to complete the foreclosure. Whatever the reason, if the foreclosure isn’t finalized, the homeowner still legally owns the property. This means they are on the hook for property taxes, homeowner’s association dues, maintenance, and any other costs, even if they aren’t living there anymore.
There are several warning signs that might show you have a zombie mortgage:
Any of these signs could mean you have a zombie mortgage. If you notice even one of these warning signs, it’s smart to talk to a lawyer right away. Our Los Angeles zombie mortgage lawyers at Shapero Law Firm can check your property records and help figure out what’s going on.
With over a decade of litigation experience, Attorney Sarah Shapero, founder of Shapero Law Firm, has secured seven-figure jury trial wins and saved countless homes from foreclosure. A Super Lawyer and Lawyer of Distinction, she brings expertise in foreclosure, employment, and bankruptcy law, practicing in California and federal courts.
Trust her proven track record and commitment to delivering powerful legal results.
Finding out you still own a house you thought was gone years ago is shocking, but you have legal rights in this situation. Understanding these rights is the first step to solving your zombie mortgage problem. Our Los Angeles zombie mortgage lawyers at Shapero Law Firm help homeowners stand up to banks and fix these messy situations.
The banks might have lawyers, but you deserve someone fighting on your side, too. Many people lose money or face legal trouble because they try to handle zombie mortgages alone. Don’t make that mistake. Shapero Law Firm can spot violations of your rights and find ways to fix the problem.
If you suspect you might have a zombie mortgage, there are a few steps you can take to find out for sure:
If you discover that your foreclosure was never completed, you likely have a zombie mortgage and should contact Shapero Law Firm right away to discuss your options.
If you have a zombie mortgage, you have a few different legal options:
Our experienced zombie mortgage lawyers at Shapero Law Firm can help you understand the pros and cons of each option and decide on the best path forward for your unique situation.
Unfortunately, yes. There have been cases of homeowners being sued for zombie mortgages after they thought the foreclosure was done. As long as you are still legally considered the owner of a record for the property, you can be on the hook for the mortgage itself or any unpaid expenses like property taxes and association dues.
When a zombie mortgage comes back to haunt you, the financial damage can be serious. You might face years of unpaid taxes, code violations, and damage to your credit score. Our Los Angeles zombie mortgage lawyers see these cases every day.
We understand how scary it is to get bills for a house you thought was long gone. Think you’re facing a zombie mortgage? Don’t wait to get help. Every day that passes could mean more bills and bigger problems. Our Los Angeles zombie mortgage lawyers are ready to review your case and help stop the financial bleeding. Let us put our know-how to work protecting your financial future.
Ignoring a zombie mortgage is never a good idea. If you still own the property in the eyes of the law, you are responsible for it. Unpaid property taxes can lead to huge fines and even a tax auction of your property by the county. The lender could also sue you for the remaining balance of the mortgage. Dealing with a zombie mortgage is stressful, but it will only get worse if you put off taking action.
A zombie mortgage can be devastating for your credit score and financial stability. Every missed mortgage payment is reported to the credit bureaus and can greatly damage your credit. You may also end up owing back property taxes, homeowner’s association dues, and maintenance costs. Left unchecked, all of these financial problems can lead to lawsuits, wage garnishment, and trouble buying a new home or even getting an apartment in the future.
Zombie mortgages need skilled legal help to put them to rest for good. Our Los Angeles zombie mortgage lawyers bring decades of combined experience to these cases. At Shapero Law Firm, we help homeowners clear property titles, stop bank harassment, and move forward with their lives. Time matters in zombie mortgage cases. The sooner you get legal help, the better your chances of a good outcome. Our Los Angeles zombie mortgage lawyers know how to cut through the red tape and hold banks responsible. Let us help you turn this legal nightmare into a thing of the past.
Absolutely. Our experienced zombie mortgage lawyers understand foreclosure law and can help you find the best solution for your situation. Whether it’s completing the foreclosure, working out a loan modification, or even filing for bankruptcy, our lawyers can help you choose the right path and avoid expensive mistakes. We can also help you deal with any lawsuits or other legal issues related to the zombie mortgage.
If your lender has restarted the foreclosure process on your zombie mortgage, a lawyer may be able to help you stop it. Depending on the circumstances, they may be able to challenge the foreclosure in court, negotiate with the bank for more time, or work out a loan modification so you can keep your home and get back on track with payments. Our lawyers can assess your case and explain your options.
Don’t try to tackle a zombie mortgage by yourself. The longer you wait, the bigger the problem can get. Our team at Shapero Law Firm is ready to help you take control of this situation. Call us today at 213-394-6031 or reach out online to set up your free case review and learn how we can help put your zombie mortgage to rest.
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We know you have questions about your zombie mortgage situation. Our Los Angeles zombie mortgage lawyers help homeowners understand their rights and options. From timelines to costs to potential outcomes, Shapero Law Firm will give you straight answers about your case.
The timeline for resolving a zombie mortgage case varies greatly depending on the details of your situation. Our lawyers can give you a better idea of what to expect once we understand all the facts of your case. In general, reaching a resolution can take a few months to a year or more.
Most zombie mortgage lawyers work on contingency, meaning you don’t pay any legal fees unless they recover money for you. When you meet with a lawyer, they can explain their fee structure and what costs you may be responsible for. Always make sure you understand the terms before hiring a lawyer.
In some cases, yes. If the lender acted improperly or made serious mistakes that led to your zombie mortgage, our lawyers may be able to seek damages. We would need to review the details of your case to determine if you have a valid claim against the lender.
The statute of limitations on zombie mortgage claims in California can vary significantly depending on the specific circumstances surrounding the mortgage. Factors such as whether the original mortgage contract was properly terminated, the type of foreclosure process (judicial or non-judicial), and any communication or actions taken by the lender can all influence the applicable time limits.
Because these cases often involve intricate legal details, it is best for homeowners to consult with an experienced legal professional to understand their rights and obligations. Shapero Law Firm can provide the guidance you need. With an in-depth knowledge of California real estate law and extensive experience handling mortgage disputes, Shapero Law Firm offers personalized solutions tailored to your situation.
If you think you have a zombie mortgage, getting help from our lawyers is an important first step. Our Los Angeles zombie mortgage lawyers offer free case reviews because we know how scary these situations can be. During this meeting, we’ll look at your case and explain all your options in clear, simple terms.
Schedule a free consultation with one of our experienced lawyers today by filling out the form below, or call us at 415-273-8015.