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Guide to Massachusetts Foreclosure Recovery
How to make it through the Massachusetts foreclosure recovery process and keep your homeLenders therefore have an interest in exploring all possibilities in the Massachusetts foreclosure recovery process, including forbearance, partial claim, payment modification and payment suspension. More of these options will be available if you are only one or two payments behind.
There are three key actions to take when seeking Massachusetts foreclosure help:
- Review and answer all correspondence from your lender. These notices will contain important information on the foreclosure recovery process in Massachusetts and any pending legal actions.
- Make a missed payment by raising money quickly. You may be able to sell a second car, jewelry or other assets, or a family member may be able to get an extra job.
- Avoid foreclosure recovery scams. Many companies will charge you for information you could get for free. Others may ask you to sign over the title to your house.
Action Steps
The best contacts and resources to help you get it done
Know what your Massachusetts foreclosure rights are
Laws on foreclosure vary considerably by state so you should be familiar with at least a summary of foreclosure laws in Massachusetts. You should also read your loan documents to know what your lender can do if you can't make your payments.
I recommend:
In addition to a summary of Massachusetts law, American Foreclosure Specialists provides links to Massachusetts foreclosure listings. Foreclosure Prevention Services works for you, not your lender and provides a free pre-foreclosure analysis with no obligation.
Get free Massachusetts foreclosure information
There are housing counselors and online resources available to help you understand your options, assist you in organizing your finances and negotiate with your lender if needed.
I recommend:
Visit the National Foundation For Credit Counseling’s Homeowner Crisis Resource Center for information and tools to get started understanding your foreclosure options. DebtAdvice.org is a service provided by the National Foundation for Credit Counseling and allows you to locate housing counselors based on your zip code and search radius.
Retain one of many foreclosure lawyers in Massachusetts
You may need one of the available Massachusetts foreclosure lawyers to protect your interests, especially if you need to sign documents. If your regular attorney does not handle Massachusetts foreclosure law, he or she may be able to make a referral.
I recommend:
Jay Michelman is based in Springfield and practices real estate law with specific experience in home foreclosures. Tarlow Breed Hart & Rogers in Boston practices real estate law for clients throughout New England.
Tips & Tactics
Helpful advice for making the most of this Guide- You may want to include refinancing in your Massachusetts foreclosure process if you have built-up some equity in your home. You would usually require at least 10% equity to have a reasonable chance at refinancing and it will be easier with more equity. However, you don't want to simply take out a new loan to repay the original mortgage.
