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Homeowners staying in their home even after missed payments Atlanta, GA

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Homeowners staying in their home even after missed payments

Couple Sitting in Front of Pool Behind Their House

If you have fallen behind in your mortgage payments or have received a notice of foreclosure, you could be extremely concerned about whether — and when — you’ll have to move. In some cases, homeowners or renters will just move out, assuming they have no other option or as a way to just move forward.

In other cases, homeowners stick around and try to hold on to their homes. In some cases, this can mean filing for bankruptcy protection, which can put a stop to foreclosure efforts. However, there are other ways that people have found to stay in their homes and it all boils down to time.

According to this report in The New York Times, homeowners in certain states across the U.S. could be benefiting from an overly-burdened and complex legal system.

The report notes that there are homeowners who are years behind on mortgage payments who end up being able to keep their home without having to pay. This is due to a combination of strict statute of limitation laws and delayed or neglected court processes.

In some states, a judge’s signature is required to proceed with a foreclosure. However, thanks to huge backlogs of foreclosures from when housing prices dropped and the complications presented by modifications, many people have watched their case get drawn out (or forgotten about) for years. In cases when this delay extends past the statute of limitations in a particular state, the claim for foreclosure could ultimately be dismissed.

The laws in Georgia don’t require lenders to seek this type of judicial action in order to proceed with foreclosure, but this situation should serve as a reminder that there are a number of legal complexities and quirks that may play a role in individual cases of foreclosure. Having the help of an attorney can help people understand their case and take steps to protect themselves, their homes and their financial futures.

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (678) 915-2634

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    Gingold & Gingold LLC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    All C.

    Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Sherard W.

    I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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