While my primary practice area is representing homeowners at Mediation under the FFA, my overarching goal is to help homeowners avoid foreclosure.

This often means pursuing one or many of the services below depending on what is available to you, your specific situation, your individual foreclosure timeline, and your finances.

Successful foreclosure defense requires a custom plan tailored to meet your individual needs. When picking your foreclosure advocate, it is important to pick someone who has experience with all foreclosure defense options as it does become necessary, at times, to fluidly move between services.

Mediation Representation
Washington State Foreclosure Fairness Act (FFA)

Filing for Mediation is one of the few ways to stop your foreclosure without filing a lawsuit or filing Bankruptcy. Washington is a dual tracking state - this means that your lender can move forward with foreclosure while they review you for an alternative. Having an open Mediation, by law, stops the foreclosure of the home until options to avoid foreclosure have been resolved.

I represent homeowners in Mediation under the FFA. This includes advocacy for any and all goals from home retention to home liquidation to simply trying to buy time. Services include comprehensive document support and review, assistance in document preparation, full review of financials, advice on lender-specific loss mitigation programs, counseling on options, debt negotiation and in-person representation at the Mediation sessions.

Short Sale Negotiation Services

I represent underwater homeowners during negotiations for short sales. Services include counseling clients on the process, full document package support, preparation and financial review. I handle debt negotiations for all lenders on Title including 2nd mortgages, HELOCS, credit card judgments, tax liens, utility liens, HOA liens and other liened debt to ensure that all debt attached to the home is settled and paid through the process.

I also provide agent support - I work closely with realtors to make sure they have a listing strategy that will work best for your individual home.

I view my role as more than just your representative for debt negotiations. I aim to be a stable party in the transaction for all parties (agents, buyers, escrow, MLOs) to rely on for information about the process.

Home Retention Services

I represent homeowners in default against their bank during negotiations for home retention options including loan modifications, repayment plans, forbearance plans, deferment plans, and other lender-specific programs designed to help homeowners stay in their home. Services include comprehensive document support, assistance in document preparation, full review of financials, advice on lender-specific loss mitigation programs, counseling on options, and debt negotiation.

Home Liquidation Services

I represent homeowners in default against their bank during negotiations for home liquidation options including Deed in Lieus and Cash for Keys options. Services include comprehensive document support, assistance in document preparation, full review of financials, advice on lender-specific loss mitigation programs, counseling on options, and debt negotiation.

HOA Negotiations

I represent homeowners in debt negotiations against their HOAs. HOAs can foreclose in the state of Washington, so if you have mounting HOA debt, it is important to reach out proactively and come to terms as early as possible. Services include lump sum settlement negotiations, negotiated payment plans and audits of fees / charges / dues owed.

Foreclosure Postponement

Foreclosure postponement is not, in and of itself a service; however, there are many alternatives to foreclosure that you can apply for with your lender that may encourage your lender to give you more time in the home and hold off foreclosure. Often, the services listed above intersect with foreclosure postponement so it’s important you know how your choices will impact your foreclosure.

Get in Touch

Start your free consultation
If you wish to schedule a free 30-minute consultation, I would love to hear what’s been happening to you to see how I can help.