We defend your foreclosure lawsuit, keeping you in your home for as long as possible. This provides you time to get your financial affairs in order while you are not making a mortgage payment. Once you have recovered financially, we can then work with your lender or lender's attorneys to resolve your case where you keep your home if you can afford to make payments. Otherwise, you can sell the property or voluntarily return the property. However, in a non-home-retention scenario, we will work vigorously to ensure you will not still owe money to the lender after the property is sold or returned to the bank. It is important to avoid what is known as a deficiency judgment, where your mortgage balance exceeds the value of the property, and you still owe the lender money after the sale or return of the property.