The top-rated foreclosure attorneie in Revere, Massachusetts is Michael Kelly Injury Lawyers, rated 5.0 stars across 81 reviews. Other highly rated options include Occena Law, P.C., Law Office of Molly McGee, Palmer Andrew J. This directory lists 14 foreclosure attorneies serving Revere.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michael Kelly Injury Lawyers | 270 Broadway #2 | (781) 622-9198 |
| 2 | Occena Law, P.C. | One Orr Square | (781) 629-5147 |
| 3 | Law Office of Molly McGee | 385 Broadway | (617) 208-4141 |
| 4 | Palmer Andrew J | 18 Fairfield St | (781) 284-1096 |
| 5 | Carmine P. Lepore Attorney | 1 Sprague St | (781) 286-8800 |
| 6 | Nzepuome & Associates, Attorneys At Law | 185 Squire Rd | (781) 284-4059 |
| 7 | Law Office of Peter Christopher | 199 Revere St Suite 10 | (781) 951-2500 |
| 8 | Domenic Finelli | 199 Revere St | (781) 286-1484 |
| 9 | Calnan Law Office | 385 Broadway Suite 303 | (978) 744-0003 |
| 10 | Law Offices of Stephen F Reardon PC | 160 Winthrop Ave | (781) 284-4900 |
Michael Kelly Injury Lawyers serves the Revere, Massachusetts area and surrounding communities as a foreclosure attorney. The firm handles legal matters related to defaulted mortgages and property seizures for local homeowners. Their practice focuses on guiding clients through pre-foreclosure negotiations, loan modification options, and defenses against bank-initiated foreclosure proceedings. They work to help property owners understand their rights under state law. The office manages deed-in-lieu of foreclosure arrangements and assists with bankruptcy filings as a means to halt sheriff sales.
Occena Law, P.C. provides foreclosure defense and related legal services to property owners in Revere, Massachusetts. The firm offers guidance through the foreclosure process, working to help clients understand their rights and options during this complex legal matter. Its maintenance of ongoing case updates and regular client communication helps ensure that its clients stay informed about their property's status. It handles residential properties including single-family homes and apartments, as well as commercial spaces such as retail locations and restaurants.
The Law Office of Molly McGee serves homeowners, businesses, and property managers in Revere facing foreclosure proceedings. Services include legal defense against lender actions, loan modification negotiations, and guidance through bankruptcy options when necessary. The firm works to protect property owners’ rights and explore available alternatives to foreclosure. It also assists clients from neighboring communities such as Chelsea and the broader Suffolk County area.
Palmer Andrew J serves Revere, Massachusetts, and the surrounding communities with foreclosure legal services. The firm handles matters ranging from pre-foreclosure consultations to default resolution and deficiency judgment defense. Each case begins with a full review of loan documentation and foreclosure timelines to identify any procedural errors or lender noncompliance. The office then prepares the required court filings or negotiates alternative repayment arrangements as appropriate to the specific mortgage situation.
In Revere, Massachusetts, Carmine P. Lepore Attorney distinguishes between one-time foreclosure defense for a single legal event and recurring representation for multiple property matters. The firm focuses exclusively on foreclosure law, advising homeowners facing lender actions throughout Essex County and the Greater Boston area. Representation involves reviewing loan documents, negotiating modifications, and contesting unlawful proceedings in local courts. Services run strictly on an as-needed basis, activated when a client is served with a notice or summons related to a pending foreclosure case.
As winter approaches in Revere, homeowners facing missed mortgage payments often seek ways to protect their property from bank seizure. Nzepuome & Associates, Attorneys At Law, a local foreclosure attorney, provides legal services for those navigating this challenging area of law in Massachusetts. The firm assists clients with understanding their rights, negotiating with lenders, and exploring available options to avoid foreclosure. An initial consultation to review the homeowner’s specific financial situation and mortgage documents is the typical first step in assessing possible solutions.
The Law Office of Peter Christopher, based in Revere, Massachusetts, provides mortgage default legal representation. The firm focuses specifically on foreclosure litigation and real estate law for distressed properties. It assists lenders, borrowers, and investors with navigating Massachusetts foreclosure protocols and title disputes. Services extend to residential homes, commercial office towers, warehouse facilities, and food service establishments requiring loan restructuring or deed negotiation.
Domenic Finelli assists homeowners in Revere, MA, with residential foreclosure matters, helping them navigate default proceedings and potential loss of their property. The firm also handles commercial foreclosure cases, extending its reach to business owners facing similar challenges throughout the greater Revere area. Clients seeking to resolve court actions or explore loss mitigation options can receive guidance for their specific situation. Many individuals return for follow-up consultations or repeat service between regularly scheduled court appearances.
Calnan Law Office in Revere, Massachusetts, assists homeowners with foreclosure defense services and works to navigate the complexities of mortgage default and loss mitigation. The firm also handles general real estate law matters, including short sales and deed in lieu of foreclosure negotiations. Its local knowledge helps property owners understand their legal rights during the home retention process. This firm is especially useful for those facing a pending foreclosure auction notice or expiration of the right of redemption.
The Law Offices of Stephen F Reardon PC in Revere, MA, is known for handling foreclosure defense and real estate legal matters. The firm represents homeowners facing loan defaults and foreclosure proceedings in Massachusetts courts. It works to negotiate with lenders, explore loss mitigation options, and challenge procedural errors in foreclosure cases. The practice also counsels clients seeking loan modifications or alternative resolutions to avoid property loss. Its services extend specifically to litigation for contested foreclosure actions and sheriff’s sale postponements.
What Does a a Foreclosure Attorney in Revere Cost?
Typical costs for a foreclosure attorney in Massachusetts vary based on the services needed. Many attorneys charge a flat fee between $1,500 and $5,000 for standard foreclosure defense, which includes reviewing loan documents, filing an answer to the complaint, negotiating a loan modification or short sale, and representing you at mediation. Hourly rates range from $250 to $450, and additional costs may apply for bankruptcy filing, which can cost $1,500 to $3,500 in legal fees plus court filing fees. Some attorneys offer payment plans or require a retainer upfront.
This information is general and does not constitute legal advice. Laws and fees can change, and individual circumstances vary. You should consult with a qualified attorney licensed in Massachusetts to discuss your specific situation.
About foreclosure attorneies in Revere
Facing foreclosure in Revere, Massachusetts can feel overwhelming, but understanding your options early is critical. A foreclosure attorney can guide you through pre-foreclosure strategies such as loan modification, short sale, deed in lieu of foreclosure, bankruptcy as a foreclosure defense, and reinstatement. Pre-foreclosure begins when your lender files a notice of default, typically after you miss three to six monthly payments. At this stage, you have the opportunity to negotiate with your lender directly or through legal counsel. Loan modification involves changing the terms of your mortgage to make payments more affordable, often by reducing the interest rate or extending the loan term. A short sale allows you to sell the property for less than the amount owed, with the lender agreeing to accept the proceeds as full satisfaction. A deed in lieu of foreclosure transfers ownership of the property back to the lender voluntarily, avoiding the public foreclosure process. Bankruptcy, particularly Chapter 13, can stop a foreclosure sale immediately through an automatic stay, giving you time to reorganize debts. Reinstatement involves paying the total amount past due, including fees and penalties, to bring the loan current. Each option has specific eligibility criteria and timelines, and an attorney can help you determine which path aligns with your financial situation.
Massachusetts is a judicial foreclosure state, meaning the lender must file a lawsuit in the Land Court or Superior Court to foreclose. This process typically takes six to twelve months from the filing of the complaint to the foreclosure sale. The timeline begins with the lender filing a complaint and serving you with a summons. You have twenty days to respond in Superior Court or thirty days in Land Court. If you do not respond, the lender can request a default judgment. After judgment, the court schedules a foreclosure sale, which must be advertised in a local newspaper for three consecutive weeks. Massachusetts law provides a right of redemption, allowing you to reclaim the property by paying the full amount owed, plus costs, up until the foreclosure sale. After the sale, there is no statutory right of redemption. Deficiency judgments are permitted in Massachusetts. If the sale price is less than the amount owed, the lender can sue you for the difference, though this is not automatic and requires a separate court action. The primary statute governing foreclosures is Massachusetts General Laws Chapter 244, Sections 14 through 19, which outlines the power of sale, notice requirements, and the process for conducting a foreclosure.
As a homeowner in Revere, you have specific rights during the foreclosure process. You have a right to cure the default by paying the overdue amount, including fees, before the foreclosure sale. Massachusetts law requires lenders to send a notice of your right to cure at least thirty days before filing a foreclosure action. This notice must include the amount needed to cure, the date by which you must pay, and information about state-approved housing counseling agencies. Additionally, Massachusetts has a mandatory foreclosure mediation program for owner-occupied, one-to-four family properties. If you request mediation within twenty days of receiving the notice of foreclosure, the lender must participate. This program, administered by the Massachusetts Attorney Generals office, can result in a loan modification or other loss mitigation option. Under federal law, the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA) impose obligations on loan servicers. You have the right to submit a qualified written request (QWR) to your servicer, asking for information about your loan and challenging errors. The servicer must acknowledge your request within five business days and respond within thirty days, providing a written explanation or correcting the error. Failure to comply can result in penalties and damages.
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 now offer proprietary modification programs with similar terms. These programs typically require a trial period plan of three to four months, during which you make reduced payments to demonstrate your ability to pay. To qualify, you must submit a complete application package, including a hardship letter, proof of income (pay stubs, tax returns, bank statements), and a monthly budget. Common reasons for denial include incomplete documentation, insufficient income to support the modified payment, or a debt-to-income ratio that does not meet the lenders guidelines. For example, if your monthly gross income is $4,000 and your proposed mortgage payment is $1,800, your debt-to-income ratio would be 45 percent, which may exceed the lenders maximum of 43 percent. An attorney can help you gather the required documents, negotiate with the servicer, and appeal a denial. The timeline for a loan modification can range from thirty to ninety days, but it can take longer if the servicer requests additional information.
When hiring a foreclosure attorney in Revere, you should expect specific fee structures and realistic outcomes. Many attorneys charge a flat fee ranging from $1,500 to $5,000 for foreclosure defense, depending on the complexity of your case. This flat fee typically covers initial consultation, review of your loan documents, filing of an answer to the complaint, negotiation with the lender, and representation at mediation. Some attorneys also offer hourly rates, usually between $250 and $450 per hour, for additional services such as bankruptcy filing or litigation. Be sure to ask what is included in the flat fee. For example, does it cover court appearances, appeals, or a trial? The timeline for foreclosure defense varies. If you respond to the complaint within the twenty or thirty day window, the process can be extended by several months. Realistic outcomes include obtaining a loan modification, negotiating a short sale, or delaying the foreclosure sale to allow you time to sell the property or arrange financing. In some cases, the attorney can help you vacate the foreclosure judgment if the lender made procedural errors, such as failing to send the required notice of your right to cure. However, no attorney can guarantee that you will keep your home, as the outcome depends on your financial circumstances and the lenders willingness to negotiate.
Alternatives to foreclosure can provide a way out without losing your home to auction. A short sale involves listing your property for sale at a price below the mortgage balance. The lender must approve the sale, and the process typically takes sixty to ninety days. You will need to provide a hardship letter, a listing agreement, and a purchase and sale agreement. A deed in lieu of foreclosure transfers ownership directly to the lender, usually within thirty to sixty days. This option may be available if you have no other liens on the property and the lender agrees to release you from the debt. Cash for keys is a negotiated agreement where the lender pays you a sum, often $2,000 to $10,000, to vacate the property voluntarily and leave it in good condition. Chapter 13 bankruptcy can be a powerful tool. It allows you to cram down certain debts, meaning you can reduce the principal balance on a second mortgage or investment property to the current market value. You must propose a repayment plan over three to five years, and the automatic stay stops the foreclosure sale immediately. Forbearance agreements allow you to temporarily pause or reduce payments for a set period, typically three to twelve months. At the end of the forbearance, you must repay the missed amounts through a lump sum or a repayment plan. Each alternative has specific eligibility requirements and tax implications, so consulting an attorney is essential before committing to any option.
Frequently Asked Questions
What specific Massachusetts laws affect a foreclosure case in Revere?
Massachusetts is a judicial foreclosure state, meaning lenders must file a lawsuit in Land Court or Superior Court. You have a right of redemption that lasts until the foreclosure sale, and you can request mediation through the Massachusetts Attorney Generals office within twenty days of receiving a foreclosure notice. Deficiency judgments are allowed, but the lender must file a separate lawsuit to collect any shortfall after the sale.
How much does a foreclosure attorney cost in Revere, Massachusetts?
Typical flat fees for foreclosure defense in Massachusetts range from $1,500 to $5,000, depending on the complexity of your case. Some attorneys charge hourly rates between $250 and $450 per hour. The flat fee usually covers initial consultation, filing an answer, negotiating with the lender, and mediation, but you should confirm what is included before hiring.
What is the legal process for a foreclosure case in Massachusetts?
The process begins when the lender files a complaint in court, and you have twenty days in Superior Court or thirty days in Land Court to respond. If you do not respond, the lender can obtain a default judgment and schedule a foreclosure sale, which must be advertised for three consecutive weeks. The entire process typically takes six to twelve months from filing to sale.