The top-rated foreclosure attorneie in Virginia Beach, Virginia is Boleman Law Firm, P.C., rated 4.9 stars across 341 reviews. Other highly rated options include Hanger Law, Invictus Law, Shaheen Law Firm, P.C.. This directory lists 19 foreclosure attorneies serving Virginia Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Boleman Law Firm, P.C. | 4525 South Blvd Suite 201 | (757) 313-3000 |
| 2 | Hanger Law | 2000 Arctic Ave | (757) 351-1510 |
| 3 | Invictus Law | 1240 Perimeter Pkwy Suite 404 | (757) 854-6400 |
| 4 | Shaheen Law Firm, P.C. | 5041 Corporate Woods Dr #150 | (757) 493-9033 |
| 5 | The Merna Law Group, P.C. | 621 N Lynnhaven Rd | (757) 340-4070 |
| 6 | Ernest Law Group, PLC | 4560 South Blvd Ste 300 | (757) 909-5831 |
| 7 | Caplan Law Group | 5350 Kemps River Dr #108 | (757) 523-0023 |
| 8 | Cornerstone Law, P.C. | 4500 Main St Suite 620 | (757) 974-9067 |
| 9 | The Law Office of Angela N. Manz | 500 Viking Dr Suite 103 | (757) 271-6275 |
| 10 | Hampton Roads Criminal Defense Lawyers | 2628 Barrett St Suite 200 | (757) 276-6555 |
Boleman Law Firm, P.C. in Virginia Beach, Virginia, provides foreclosure legal services, distinguishing between one-time consultation for brief advice or document review and recurring representation for clients needing ongoing case management. The firm covers the Virginia Beach area, assisting with default proceedings, loan modifications, and short sales. Counseling addresses both defending homeowners against foreclosure and guiding lenders through the process. These services are available on an as-needed basis, allowing clients to engage the firm only when specific legal issues arise during a given property transaction or financial situation.
Hanger Law in Virginia Beach provides legal representation for lenders and homeowners facing foreclosure proceedings, including loan modifications and deed-in-lieu of foreclosure. It offers ongoing case management to ensure compliance with court deadlines and statutory requirements. Regular consultations help clients understand their options under Virginia foreclosure law. The firm handles single-family homes, apartment complexes, retail spaces, and restaurants.
Invictus Law serves Virginia Beach, Virginia and the surrounding area with its foreclosure attorney practice. This firm provides legal representation for homeowners and lenders navigating the foreclosure process. It assists clients with default notices and loan modification negotiations. The attorneys handle contested foreclosure filings in court and defend against unlawful seizure of property. Specific services include loss mitigation counseling and deed-in-lieu of foreclosure arrangements.
Shaheen Law Firm, P.C. specializes in foreclosure defense services for homeowners in the Virginia Beach area. It also represents clients facing mortgage default, deed-in-lieu proceedings, and short sale negotiations. The firm guides property owners through the complexities of Virginia foreclosure law and alternative loss mitigation options. With the seasonal uptick in default notices following the winter holiday period, the firm helps clients address pending foreclosure actions before a trustee sale is scheduled.
The Merna Law Group, P.C. serves homeowners, businesses, and property managers in Virginia Beach, Virginia, who face foreclosure proceedings. The firm offers legal guidance through default notices, loss mitigation options, and loan modification negotiations. It represents clients in hearings and works to protect their property rights under Virginia law. These services also extend to clients throughout the greater Hampton Roads area, including the neighboring community of Norfolk.
Ernest Law Group, PLC, in Virginia Beach, VA, distinguishes its foreclosure defense services by offering clients both one-time consultations for specific legal questions and recurring representation for ongoing case management. The firm covers matters throughout the city’s judicial foreclosure process, addressing default notices, loan modification negotiations, and court proceedings. Assistance is available on a one-time basis for immediate issues or on an as-needed schedule for continued legal support during prolonged foreclosure actions.
Caplan Law Group serves Virginia Beach, VA, and the surrounding communities, handling foreclosure-related legal matters for property owners and financial institutions. The firm works on cases involving default proceedings, loan modifications, and deed-in-lieu arrangements. It addresses both residential and commercial real estate challenges. For a typical job, it begins by reviewing the client’s loan documents and timelines, then negotiates with lenders or prepares court filings, aiming to resolve the situation through structured repayment plans or legal defenses.
Cornerstone Law, P.C. in Virginia Beach, VA focuses its practice on foreclosure defense, guiding clients through loan modifications and loss mitigation options. The firm also handles general real estate litigation, advocating for homeowners facing property disputes or title issues. With the current rise in local interest rates impacting monthly payments, the firm assists clients in understanding their rights when they are at immediate risk of a sheriff’s sale.
Hampton Roads Criminal Defense Lawyers in Virginia Beach, VA provides legal representation for clients facing property foreclosure. The firm assists homeowners in navigating default proceedings and explores options to mitigate loss. Its services include negotiating with lenders and evaluating potential alternatives to repossession. The practice handles commercial foreclosure matters for various business properties such as offices, warehouses, and food service establishments.
What Does a a Foreclosure Attorney in Virginia Beach Cost?
The cost of hiring a foreclosure attorney in Virginia Beach varies based on the complexity of your case. Most attorneys charge a flat fee ranging from $1,500 to $5,000 for foreclosure defense. This fee typically includes an initial consultation, review of the foreclosure notice, communication with the lender, and filing a response in court if necessary. Some attorneys offer hourly rates between $250 and $500 per hour, but flat fees are more common for this practice area. If you need bankruptcy representation, expect to pay an additional $1,500 to $3,500 for a Chapter 13 filing. Payment plans may be available, but most attorneys require a retainer upfront before beginning work.
This information is general and does not constitute legal advice. You should consult with a qualified attorney to discuss your specific situation and obtain accurate cost estimates for your case. Laws and fees change over time, and only a licensed attorney can provide advice tailored to your circumstances.
About foreclosure attorneies in Virginia Beach
Facing foreclosure in Virginia Beach is a stressful experience, but understanding your legal options is the first step toward regaining control. A foreclosure attorney provides critical guidance from the moment you receive a notice of default. In pre-foreclosure, the period before the lender files a lawsuit or schedules a sale, you have several options. These include loan modification, where the lender agrees to change the terms of your mortgage to make payments affordable; a short sale, where you sell the home for less than the balance owed; or a deed in lieu of foreclosure, where you voluntarily transfer ownership to the lender to avoid a public sale. Bankruptcy, particularly Chapter 13, can also act as a powerful foreclosure defense by imposing an automatic stay that halts all collection actions. Reinstatement, paying the entire past-due amount plus fees by a statutory deadline, is another path, though it requires significant cash on hand. An attorney evaluates your financial situation and the lender’s actions to recommend the most viable strategy.
Virginia is a non-judicial foreclosure state, meaning lenders generally do not need to file a lawsuit to foreclose. Instead, they follow a statutory process under Virginia Code Section 55.1-656. The timeline is relatively fast: after a borrower defaults, the lender must wait at least 30 days before publishing a notice of sale in a local newspaper once a week for four consecutive weeks. The actual foreclosure sale occurs no sooner than 14 days after the last publication. This means the entire process can take as little as 60 to 90 days from the first missed payment. Virginia does not grant a statutory right of redemption after a foreclosure sale, so once the auction occurs, you lose all ownership rights. However, Virginia law does allow for deficiency judgments. If the home sells for less than the debt, the lender can sue you personally for the difference, plus interest and legal fees. An attorney can negotiate to waive the deficiency as part of a short sale or deed in lieu agreement.
Homeowners in Virginia have specific rights during the foreclosure process. You have the right to cure the default by paying the full amount owed, plus fees, up until the time of the foreclosure sale. Virginia does not require judicial mediation, but some lenders voluntarily participate in mediation programs if requested. You are entitled to receive a notice of default at least 30 days before the first publication of the sale notice, and the notice must include the date, time, and location of the sale. 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 request information about your loan, including a breakdown of fees and payments. Servicers must acknowledge the QWR within five business days and respond within 30 days. If they fail to comply, you may have grounds to stop the foreclosure or seek damages.
Loan modification remains a common path to avoid foreclosure. While the federal Home Affordable Modification Program (HAMP) ended in 2016, many lenders offer proprietary modification programs. These programs typically require you to demonstrate a financial hardship, such as job loss, medical bills, or divorce, and provide documentation including tax returns, pay stubs, bank statements, and a hardship letter. The lender may place you on a trial period plan (TPP) lasting three to four months, during which you make reduced payments. If you complete the TPP successfully, the modification becomes permanent. Common reasons for denial include insufficient income to support the modified payment, missing documentation, or a debt-to-income ratio that does not meet the lender’s guidelines. An attorney can help you gather the correct documents, appeal a denial, and ensure the lender follows its own procedures.
When hiring a foreclosure attorney in Virginia Beach, you should understand typical fee structures. Many attorneys charge a flat fee for foreclosure defense, ranging from $1,500 to $5,000, depending on the complexity of your case. This flat fee usually covers initial consultation, review of the foreclosure notice, communication with the lender, and filing a response if the case goes to court. If you need representation in a bankruptcy filing, fees are separate and range from $1,500 to $3,500 for a Chapter 13 case. Some attorneys offer hourly rates between $250 and $500 per hour, but this is less common for foreclosure defense. The timeline for a foreclosure defense case varies. If you hire an attorney early in pre-foreclosure, they may have 30 to 60 days to negotiate a modification or short sale. If the sale is imminent, an attorney can file a lawsuit or bankruptcy to delay the sale by 30 to 90 days. Realistic outcomes include stopping the sale, obtaining a loan modification, or negotiating a short sale or deed in lieu. An attorney cannot guarantee you will keep your home, but they can ensure the process follows the law.
Alternatives to foreclosure provide a way out without the damage of a public sale. A short sale requires lender approval and involves selling the home for less than the mortgage balance. The lender must agree to accept the proceeds as full payment. This process takes 60 to 120 days and requires a buyer. A deed in lieu of foreclosure is faster, typically 30 to 60 days, and involves signing the property back to the lender. Some lenders offer cash for keys, where they pay you a small amount, often $2,000 to $5,000, to vacate the property voluntarily. Bankruptcy Chapter 13 allows you to catch up on missed payments over three to five years through a court-approved repayment plan. This can also include a cramdown, where the loan balance is reduced to the current market value for certain investment properties, though this does not apply to primary residences. Forbearance agreements allow you to temporarily pause or reduce payments for three to six months, with the missed amounts added to the end of the loan. Each option has tax implications and credit score consequences, which an attorney can explain in detail.
Frequently Asked Questions
How does the non-judicial foreclosure process in Virginia Beach differ from other states?
Virginia is a non-judicial foreclosure state, meaning lenders do not file a lawsuit to foreclose. The process begins with a notice of default, followed by a 30-day waiting period, then a notice of sale published once a week for four weeks. The sale occurs no sooner than 14 days after the last publication, so the entire timeline can be as short as 60 to 90 days. Unlike judicial states, there is no court oversight unless you file a lawsuit to challenge the foreclosure.
What are the typical costs for hiring a foreclosure attorney in Virginia Beach?
Most foreclosure attorneys in Virginia Beach charge a flat fee between $1,500 and $5,000 for foreclosure defense, which covers initial consultation, communication with the lender, and court filings if needed. Hourly rates range from $250 to $500 per hour, but flat fees are more common. Bankruptcy representation for Chapter 13 costs an additional $1,500 to $3,500. Some attorneys offer payment plans, but you should expect to pay a retainer upfront.
How long does the foreclosure process take in Virginia Beach, and what can an attorney do to delay it?
From the first missed payment, the foreclosure process in Virginia Beach typically takes 60 to 90 days. An attorney can delay the sale by filing a lawsuit to challenge the lender’s standing, requesting a temporary restraining order, or filing for Chapter 13 bankruptcy, which imposes an automatic stay that halts all collection actions. These actions can delay the sale by 30 to 90 days, giving you time to negotiate a loan modification or short sale.
Foreclosure Attorneies in Other Virginia Cities
Annandale · Arlington · Ashburn · Blacksburg · Charlottesville · Chesapeake · Fairfax · Fredericksburg · Glen Allen · Hampton · Harrisonburg · Herndon · Leesburg · Lynchburg · Manassas