The top-rated foreclosure attorneie in Quincy, Massachusetts is Mahoney Law Group, rated 5.0 stars across 73 reviews. Other highly rated options include Law Office of Patrick Donovan, Logan & Logan LLP, Hoye & Duane, P.C.. This directory lists 22 foreclosure attorneies serving Quincy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mahoney Law Group | 859 Willard St # 400 | (781) 849-0700 |
| 2 | Law Office of Patrick Donovan | 234 Copeland St #230 | (617) 479-1800 |
| 3 | Logan & Logan LLP | 21 Franklin St Floor 3 | (617) 209-3723 |
| 4 | Hoye & Duane, P.C. | 21 McGrath Hwy Suite 505 | (617) 847-4200 |
| 5 | Falco & Associates, P.C. | 50 Quincy Ave | (617) 472-3341 |
| 6 | Baker, Braverman & Barbadoro P.C. | 1200 Crown Colony Dr #610 | (781) 848-9610 |
| 7 | Law Offices of Tracy Wilson, P.C. | 234 Copeland St #230 | (617) 847-6993 |
| 8 | Law office of Patrick J Foley | 265 Willard St | (617) 645-5832 |
| 9 | Sandonato Law | 21 Mayor Thomas J McGrath Hwy | (617) 481-2742 |
| 10 | Lee & Associates, P.C. | 40 Willard St g101 | (617) 934-1668 |
Mahoney Law Group provides legal representation for homeowners and lenders navigating foreclosure proceedings in Quincy, Massachusetts. The firm offers services including challenging improper foreclosures, negotiating loan modifications, and handling deed-in-lieu arrangements. Ongoing maintenance plans are not advertised, but clients receive continuous guidance through each legal phase from initial consultation to court appearances. Attorneys review documents to ensure compliance with state regulations and work to protect property rights. Properties served include single-family homes, condominiums, multi-unit apartment buildings, retail storefronts, and local restaurants in the Quincy area.
The Law Office of Patrick Donovan serves homeowners and lenders in the Quincy, Massachusetts metro area with foreclosure legal services. It represents clients through default proceedings, loan modification negotiations, and deed-in-lieu arrangements. The firm also handles post-foreclosure evictions and deficiency judgments. A foreclosure attorney in this region assists with the bankruptcy stay process for eligible borrowers. The practice gives guidance on residential foreclosure protections under state law. It handles conducting foreclosure sales and reviewing title disputes.
Logan & Logan LLP assists homeowners, investors, and property managers facing foreclosure in Quincy, Massachusetts. The firm provides legal guidance on default proceedings, loan modifications, and loss mitigation options. It also navigates the complexities of Massachusetts foreclosure law and works to protect clients' property rights and credit standings. The company serves those seeking to negotiate alternatives to foreclosure and to understand their legal obligations throughout the process. It extends its practice to cover surrounding communities within the Greater Boston metro area.
As a foreclosure attorney, Hoye & Duane, P.C. handles default proceedings and loss mitigation strategies for property owners in Quincy, MA. The firm advises on loan modifications, short sales, and deed-in-lieu options throughout the foreclosure process. It also represents clients in court proceedings and negotiates directly with lenders to avoid unnecessary delays or errors. With rising property taxes affecting many homeowners this spring, the office helps clients address tax lien concerns that could complicate their mortgage standing.
Falco & Associates, P.C. distinguishes between one-time legal consultations for specific foreclosure questions and ongoing representation for clients navigating the entire foreclosure process. This Quincy, Massachusetts firm provides legal counsel to homeowners and financial institutions dealing with foreclosure proceedings in the local area. Services typically include reviewing loan documents, negotiating with lenders, and representing clients in court hearings. The firm operates primarily on an as-needed basis, taking on cases based on specific client requests and court schedules.
Baker, Braverman & Barbadoro P.C. serves Quincy, MA, and the surrounding South Shore communities, handling all matters related to foreclosure defense and residential mortgage default. It assists homeowners facing delinquency and provides guidance during lender negotiations throughout the legal process. The firm appears in state and federal courts to protect clients from wrongful foreclosure actions. To achieve retention of property or obtain a manageable modification, it reviews loan documents for procedural errors and challenges violations of applicable laws.
In eastern Massachusetts, the shifting housing market often leaves Quincy homeowners facing the demands of foreclosure. The Law Offices of Tracy Wilson, P.C. addresses these stressful legal situations by guiding clients through the complex foreclosure process in Norfolk County. Their work focuses on helping property owners understand their rights and the available options during this difficult period. Serving the local community in Quincy, the firm conducts a careful review of each client’s financial circumstances and property status to chart a clear path forward during an initial consultation session.
The Law Office of Patrick J Foley in Quincy, MA is known for representing lenders and homeowners in foreclosure proceedings. The firm handles pre-foreclosure negotiations, loan modifications, and deed-in-lieu agreements. It also defends clients against wrongful foreclosure claims and navigates complex Massachusetts foreclosure laws. Additional legal services include seeking deficiency judgment waivers or redemption rights protection for clients exiting their properties.
Sandonato Law in Quincy, MA, handles residential foreclosure proceedings for homeowners facing delinquency and lenders initiating default actions. Commercial foreclosure cases are also covered throughout the surrounding region. The firm provides legal guidance through the complex steps of notice, auction, and title transfer. Clients often return for assistance with successive property issues or periodic portfolio reviews between routine matters.
Lee & Associates, P.C. assists clients in Quincy with matters related to real estate debt and property rights, offering legal counsel specifically in foreclosure law. Their work addresses legal compliance and procedural requirements for mortgage holders and borrowers facing financial distress. The practice handles loan default resolution and property transfer litigation. Such services serve a range of commercial sectors, including offices, warehouses, and food service operations.
What Does a a Foreclosure Attorney in Quincy Cost?
Typical costs for a foreclosure attorney in Massachusetts range from $1,500 to $5,000 for a flat fee arrangement, which covers the initial response to the foreclosure complaint, court appearances, and negotiation with the lender. Hourly rates are common, ranging from $250 to $500 per hour, with a retainer of $2,500 to $5,000 required upfront. Some attorneys offer unbundled services, such as reviewing loan documents for a flat fee of $500 to $1,000, or representing you at mediation for $1,000 to $2,000. Payment plans may be available, but many attorneys require full payment before filing a response to the complaint.
This information is general and does not constitute legal advice. Consult a qualified attorney for advice specific to your situation.
About foreclosure attorneies in Quincy
Facing foreclosure in Quincy, Massachusetts can be an overwhelming experience, but understanding your legal options is the first step toward protecting your home. Foreclosure defense attorneys in Massachusetts focus on delaying or stopping the foreclosure process through several pre-foreclosure strategies. Before a lender files a foreclosure petition, homeowners may pursue a loan modification to adjust the loan terms, making payments more affordable. A short sale allows you to sell the property for less than the outstanding mortgage balance, with the lender agreeing to accept the proceeds as full satisfaction. A deed in lieu of foreclosure involves voluntarily transferring the property title to the lender to avoid a formal foreclosure. Bankruptcy, specifically Chapter 7 or Chapter 13, can provide an automatic stay that halts all collection activities, including foreclosure, giving you time to reorganize your debts. Reinstatement involves paying the entire overdue amount, including fees and costs, by a specific deadline set by state law. Each option carries distinct legal and financial implications, and an attorney can evaluate which path aligns with your circumstances.
Massachusetts operates under a judicial foreclosure process, meaning the lender must file a lawsuit in the Superior Court or Land Court to foreclose on a property. This process typically takes six to twelve months from the initial filing to the foreclosure sale, though delays can occur due to court backlogs or borrower responses. The timeline begins when the lender sends a notice of default, giving the borrower 150 days to cure the default before the lender can file a complaint. After the complaint is filed, the borrower has 20 days to respond, and the court will schedule a case management conference. The foreclosure sale itself cannot occur until the court enters a judgment of foreclosure and a sale date is set, which usually happens 90 to 120 days after judgment. Massachusetts grants a statutory right of redemption, allowing the borrower to redeem the property by paying the full mortgage balance, plus costs, up to the time of the foreclosure sale. After the sale, there is no statutory right of redemption, though the borrower may challenge the sale in court. Deficiency judgments are permitted in Massachusetts, meaning if the foreclosure sale price is less than the mortgage debt, the lender can sue the borrower for the difference, though this is subject to certain limitations under Massachusetts General Laws Chapter 244.
Homeowners in Quincy have specific rights under Massachusetts law that can delay or prevent foreclosure. The right to cure allows you to bring the mortgage current by paying the overdue amount, plus fees, within 150 days of receiving the notice of default. Massachusetts also provides a right to mediation through the Homeowner Assistance and Mediation Program, which requires lenders to participate in good faith discussions before proceeding with foreclosure. Lenders must send a notice of foreclosure at least 150 days before filing a complaint, and this notice must include information about available counseling services and the borrower right to cure. Under federal law, the Real Estate Settlement Procedures Act (RESPA) requires loan servicers to respond to qualified written requests within 30 days, addressing errors or requesting information about the loan. The Truth in Lending Act (TILA) provides protections regarding loan disclosures and rescission rights, particularly for high-cost loans. Homeowners can submit a qualified written request to the servicer to dispute the debt, request a payoff statement, or demand a breakdown of fees and charges. Servicers who fail to comply with RESPA or TILA may face penalties, including damages and attorney fees.
Loan modification remains one of the most common foreclosure defense strategies in Massachusetts. While the federal Home Affordable Modification Program (HAMP) ended in 2016, many lenders offer proprietary modification programs with similar structures. These programs typically require a trial period plan lasting three to four months, during which you must make reduced payments to demonstrate your ability to maintain the modified terms. Documentation requirements are extensive and include proof of income, tax returns, bank statements, a hardship letter explaining the financial difficulty, and a complete financial statement. Common reasons for denial include insufficient income to support the modified payment, missing documentation, failure to complete the trial period, or a determination that the borrower does not qualify under the lender net present value test. An attorney can help you gather the correct documents, submit a complete application, and appeal a denial if the lender did not properly consider your financial situation. Massachusetts law does not require lenders to offer a modification, but many will consider one to avoid the cost and delay of foreclosure.
When hiring a foreclosure defense attorney in Quincy, you can expect to pay flat fees ranging from $1,500 to $5,000, depending on the complexity of your case and the stage of the foreclosure process. Some attorneys charge hourly rates between $250 and $500 per hour, with a typical retainer of $2,500 to $5,000. The fee usually includes filing an answer to the foreclosure complaint, attending court hearings, negotiating with the lender, and reviewing loan documents. It may not include costs for filing fees, expert witnesses, or appeals. The timeline for foreclosure defense varies; an attorney can often delay a foreclosure sale by three to six months through procedural motions, and in some cases, a successful loan modification or bankruptcy can stop the process entirely. Realistic outcomes include a loan modification that reduces your monthly payment, a short sale that avoids a deficiency judgment, or a deed in lieu that allows you to walk away without further liability. In some cases, the attorney may negotiate a cash for keys agreement, where the lender pays you a sum, typically $3,000 to $10,000, to vacate the property voluntarily.
Alternatives to foreclosure include several options that can mitigate damage to your credit and financial future. A short sale requires lender approval and involves selling the property for less than the mortgage balance; the lender may agree to forgive the remaining debt or accept a promissory note for the deficiency. The short sale process typically takes 60 to 120 days and requires a listing agreement, a purchase offer, and extensive documentation. A deed in lieu of foreclosure is a faster alternative where you voluntarily transfer the property to the lender, usually within 30 to 60 days, and the lender agrees to release you from the mortgage debt. Cash for keys is a specific type of deed in lieu where the lender provides a cash payment, often $3,000 to $10,000, to cover moving expenses and ensure the property is left in good condition. Bankruptcy Chapter 13 allows you to propose a repayment plan over three to five years, during which you can catch up on missed mortgage payments and potentially reduce the principal balance through a process called cramdown, though this is limited to investment properties and second homes. Forbearance agreements allow you to pause or reduce payments for a set period, typically three to twelve months, with the missed payments added to the end of the loan term. Each alternative has specific eligibility requirements and tax implications, so consulting an attorney is essential before making a decision.
Frequently Asked Questions
What specific Massachusetts laws affect foreclosure defense in Quincy?
Massachusetts is a judicial foreclosure state, meaning lenders must file a lawsuit in Superior Court or Land Court to foreclose. The borrower has 150 days to cure the default after receiving a notice of default, and the lender must participate in mediation if requested under the Homeowner Assistance and Mediation Program. Deficiency judgments are allowed, but the lender must file a separate action within one year of the foreclosure sale. Massachusetts General Laws Chapter 244 governs the foreclosure process, including notice requirements and the right of redemption.
How much does a foreclosure attorney cost in Quincy, Massachusetts?
Foreclosure defense attorneys in Quincy typically charge flat fees between $1,500 and $5,000, depending on the case complexity and stage of foreclosure. Hourly rates range from $250 to $500 per hour, with retainers of $2,500 to $5,000. Fees usually cover filing an answer, attending court hearings, and negotiating with the lender, but may not include filing costs or expert fees. Some attorneys offer payment plans, though this varies by firm.
What is the legal process for a foreclosure case in Massachusetts?
The foreclosure process begins with a notice of default, giving the borrower 150 days to cure the default. The lender then files a complaint in court, and the borrower has 20 days to respond. The court schedules a case management conference, and a judgment of foreclosure is entered, followed by a sale date set 90 to 120 days later. The borrower can redeem the property by paying the full mortgage balance up to the sale date, but no statutory right of redemption exists after the sale.