Tuscaloosa Foreclosure Defense Attorney
25+ Years of Experience Protecting Homes & Property
Facing foreclosure is an incredibly frightening experience that can leave you wondering where to turn for help. In such a difficult moment, know that you can get support from me, Attorney Marshall A. Entelisano. For over 25 years, I have fought for the rights and futures of thousands of clients. I keep my word, work hard, and put my clients first. If you are searching for a Tuscaloosa foreclosure defense attorney to count on when it means the most, call The Law Firm of Marshall A. Entelisano.
Find out how I can help you avoid foreclosure in a free consultation. These are available virtually or in person. Call (659) 336-2597 or reach out online to schedule yours.
What Is Foreclosure & Why Does It Happen?
Foreclosure is a legal process where a lender takes ownership of a property when a borrower fails to meet mortgage terms, typically by missing payments. In Alabama, foreclosure is governed by both state and federal laws, which aim to balance the rights of lenders and borrowers.
When Does Foreclosure Happen?
Foreclosure begins when a borrower defaults on a mortgage. Under federal law, lenders cannot initiate foreclosure until the borrower is at least 120 days delinquent on payments. This period allows borrowers to explore alternatives to foreclosure, such as loan modifications or repayment plans.
How Do I Know If I Am in Foreclosure?
If you have missed mortgage payments, your lender will likely send you a Notice of Default. This will indicate that you are in default and give you a specific amount of time (usually 30 days) to pay the overdue amount. If you do not pay or make arrangements with the lender, they can proceed with foreclosure.
Types of Foreclosure in Alabama
The law allows for two types of foreclosure in Alabama:
- Judicial foreclosure - The lender files a lawsuit to obtain permission to foreclose.
- Non-judicial foreclosure – The lender follows a quicker out-of-court process. This involves publishing a notice of the foreclosure sale in a local newspaper for three consecutive weeks.
Alabama is a non-judicial foreclosure state, so lenders most often foreclose without going to court first.
Possible Defenses Against Foreclosure
Leveraging my unparalleled experience, I can help you explore and pursue the best possible defense against foreclosure.
Some of the things I can do on your behalf include:
- Identifying procedural errors. This could involve highlighting violations of federal laws regarding how lenders must notify borrowers of impending foreclosure. It may also involve confirming whether a lender adhered to Alabama's foreclosure processes.
- Seeking loan modifications. I can communicate with lenders to restructure your mortgage to help you stay in your home.
- Negotiating temporary forbearance or a structured repayment plan, which could give you more time to catch up on your mortgage.
- Challenging violations of borrower rights. Certain mortgage terms may be deemed predatory or an unconstitutional restriction on your rights as a property owner.
- Filing for bankruptcy. Doing so can delay foreclosure and give you time to reorganize your finances and seek loss mitigation options. Additionally, I can work to incorporate past-due mortgage payments into a long-term repayment plan under Chapter 13 bankruptcy.
What to Expect from Your Tuscaloosa Foreclosure Defense Attorney
My firm provides affordable debt relief services to individuals, families, and businesses across Tuscaloosa County. My team and I care deeply about clients and do our best to safeguard them from foreclosure and help them live life debt-free. I do not judge clients; I seek to understand their situations and empower them with legal knowledge and my services. See what you might expect at my firm by visiting our Reviews page. There, you will find testimonials that affirm my responsiveness, diligence, and commitment to the well-being of my clients.
You can also reach out to request a free consultation. Give my firm a call at (659) 336-2597 or submit our convenient online contact form to get started.
Why Choose The Law Firm of Marshall A. Entelisano?
Proven Success, Thousands Helped
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Compassionate Guidance, Honest SolutionsWe understand the stress of financial struggles and are here to help with honesty and care. You’ll work directly with an experienced attorney who provides clear, upfront guidance—no hidden fees, no surprises.
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Trusted Debt Relief in AlabamaFor over 25 years, we've helped thousands of people just like you eliminate financial stress, stop creditor harassment, and regain control of their future. We don’t just provide legal solutions—we offer hope and a clear path forward.
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Convenient Payment PlansWe believe financial relief should be accessible to everyone. That’s why we offer flexible payment plans to fit your budget, so you can get the help you need without added stress.
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We Provide Free ConsultationsWe offer a completely free and confidential consultation to discuss your financial situation and find a path to relief. Whenever you're ready, we're here!
