Law: Stopping Home Foreclosure

Stopping Home Foreclosure

Written by Kevin OHara

Continued from page 1
Deed In Lieu Of Foreclosure: This service is when homeowner voluntary deed title to homeowner property to repparttar

lender. A homeowner basically gives repparttar 119221

house back to repparttar 119222

bank. The ordinary effect of repparttar 119223

taking of a Deed in Lieu is to extinguish repparttar 119224

lenders deed of trust and vest repparttar 119225

lender with repparttar 119226

title subject to all other existing liens and encumbrances. In effect, repparttar 119227

lender becomes repparttar 119228

new owner. The lender is not required to accept repparttar 119229

Deed in Lieu and can show his/her refusal by filing a Notice of Non Acceptance with repparttar 119230

County Recorder. Bankruptcy: Bankruptcy is not repparttar 119231

best option but does delay repparttar 119232

process and place everything on hold for a while. Bankruptcy should only be an option if homeowner needs to buy time so homeowner can raise repparttar 119233

cash to payoff repparttar 119234

entire debt.

Keep your rights from being violated during foreclosure. Keep your home and defend your rights.

Agent US Foreclosure Prevention Services http://www.istophomerepos.com

Hire Divorce Lawyer or Use Online Divorce Forms?

Written by Scott Morgan

Continued from page 1

This is where a competent lawyer can make a big difference. A lawyer will learn more about your situation and find out exactly what your documents need to say, instead of just repparttar boilerplate language that repparttar 119220 divorce website's software spits out. If you have children, you should take repparttar 119221 safe route and hire an experienced divorce lawyer.

What if You Own Property?

Many of repparttar 119222 divorce form sites also claim to offer forms that will deal with repparttar 119223 most complex of property divisions. But when it comes to dividing any property beyond personal effects (clothes, furniture, etc.), it is risky to rely solely on generic divorce forms. If you or your spouse own real estate, vehicles, 401k accounts or other retirement accounts, or have any other financial assets or liabilities, an online divorce form will not necessarily protect your interests.

A competent divorce lawyer would be able to, first, analyze your situation and determine what property division is in your best interest, and second, ensure that all repparttar 119224 assets awarded to you were properly transferred and repparttar 119225 titles correctly recorded on your behalf.

Conclusion

Using an online divorce form always carries a certain amount of risk. If there are no children from repparttar 119226 marriage and no property to divide, then saving a few hundred dollars may be worth repparttar 119227 risk and repparttar 119228 extra work you will have to do. But for most people, especially those with children or property, it is essential to hire an experienced divorce lawyer to handle their case.

About Author

Scott Morgan has been a Houston divorce lawyer for over ten years. His practice focuses exclusivley on divorce and family law cases. You can find out more about Mr. Morgan on his website, www.houstondivorce.com.

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