Foreclosure defense is the legal process of defending a home against foreclosure. In state court, this can be done by challenging the lender’s right to foreclose, or by raising defenses that may delay or prevent foreclosure.  Alternatively, a bankruptcy filing will stop foreclosure under the federal automatic stay and give you time to cure up any arrears.  Many bankruptcy courts, including those in Arizona, participate in mortgage modification programs as well to allow you to modify the mortgage under more favorable terms.

There are many reasons why someone might need foreclosure defense. For example, if you believe that your lender does not have the legal right to foreclose on your home, or if you have defenses that could delay or prevent foreclosure, you may need to file a foreclosure defense lawsuit.

You should talk to an experienced foreclosure defense attorney to find out if you have any defenses to foreclosure.

The cost of hiring a foreclosure defense attorney will vary depending on the specifics of your case. However, you should expect to pay a retainer up front, as well as hourly fees for the attorney’s time.

It is possible to represent yourself in a foreclosure defense lawsuit; however, it is generally not recommended. The foreclosure process is complex and technical, and banks have formidable legal teams to advance their claims.  You will likely have a better chance of success if you hire an experienced foreclosure defense attorney.