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Zombie mortgages can be a nightmare for homeowners. Realizing this debt remains active can lead to significant financial and legal challenges. If you find yourself dealing with a zombie mortgage, a California zombie mortgage lawyer with Shapero Law Firm can provide the experience and guidance needed to address this complex issue.
A zombie mortgage occurs when a second mortgage the homeowner thought was forgiven, settled, or written off suddenly reappears as an active debt. This can happen years after the homeowner believes the servicer resolved the initial loan. Homeowners often stop receiving communications about the second mortgage and assume it has been taken care of. However, the debt may still be legally valid, and creditors can attempt to collect it. This often leads to foreclosure proceedings, creating unexpected financial strain and legal complications.
The first step a California zombie mortgage lawyer with Shapero Law Firm will take is to clarify the status of your mortgage. We thoroughly review your loan documents, payment history, and any correspondence with lenders. Understanding the specifics of your situation is crucial for determining the debt’s validity and developing an effective strategy to address it.
Other steps we typically take include the following:
Our attorneys can communicate directly with your lender to resolve the issue. We can negotiate settlements, discounts on the unpaid principal balance or payment plans that are more manageable for you. In some cases, we can negotiate a complete release of the mortgage, freeing you from the debt entirely. Our goal is to find a solution that minimizes your financial burden and resolves the mortgage dispute.
Our lawyers will vigorously defend you if the lender has initiated foreclosure or other collection actions based on the zombie mortgage. We will examine the lender’s actions for legal violations and challenge improper procedures. We’ll also represent your interests in court to halt or reverse any adverse actions taken against you.
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.
We can pursue legal remedies on your behalf when the lender’s actions are unlawful or improperly revive the debt. This may include filing lawsuits to challenge the debt’s validity or seeking damages for any harm the lender’s actions have caused. Your California zombie mortgage lawyer will be committed to protecting your rights and achieving a fair resolution.
We provide clear, practical legal advice to help you understand your options and make informed decisions. Shapero Law Firm will keep you updated on the progress of your case and ensure you’re fully aware of your rights and responsibilities.
When you choose a California zombie mortgage lawyer with Shapero Law Firm, you’ll have a legal representative who can handle this and other real estate issues. We understand the intricacies of California property law and are well-equipped to provide effective legal representation.
We prioritize our clients’ needs, offering personalized strategies and dedicated support throughout the resolution process. We take the time to understand your unique situation and develop a tailored plan to achieve the best possible outcome.
Contact an experienced California zombie mortgage lawyer with Shapero Law Firm as soon as possible. We’ll provide the legal support and guidance to resolve your mortgage issues. Call 415-273-8015 or fill out our online contact form to get started.
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Client Reviews
I contacted Sarah when I was facing tough legal issues. Although I never met her in person she ended up being an amazing advocate, tough negotiator and very knowledgeable representation. In all my communication Sarah was clear, thorough and very neutral about my position and options. I’ve had multiple dealings with attorneys…so I’m experienced. I would give Sarah top ratings across the board.
I have worked with many in the past and Sarah is great with understanding my goals and working with me to create a plan that fits those goals. She has assisted on a number of real estate transactions and legal matters for me and is always available, communicative, and presents all options with risks and costs so we can decide the best route. Highly recommend.
I cannot thank the Shapero Law Firm’s Real Estate team enough for their outstanding service. They are a shining example of what a law firm should be: knowledgeable, compassionate, responsive, and effective. If you are in need of real estate legal services, look no further – the Shapero Law Firm is the gold standard. I wholeheartedly recommend them to anyone seeking expert guidance and representation in the realm of real estate law. They have earned every one of these five stars and more!
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Schedule a free consultation with one of our experienced lawyers today by filling out the form below, or call us at 415-906-6134.
Helping San Francisco homeowners address zombie mortgages and mitigate associated financial risks.
Guiding Los Angeles residents through the complexities of zombie mortgages to achieve favorable outcomes.
Schedule a free consultation with one of our experienced lawyers today by filling out the form below, or call us at 415-273-8015.