Your home is by far your biggest investment. Any number of normal life events can cause you to fall behind on a home mortgage. Whether your home has just fallen into foreclosure, or a foreclosure has already happened, you need competent legal representation to ensure that all of your rights are protected. Banks and your other creditors have experienced attorneys working for them to protect their interests, but oftentimes, homeowners are left with people who are only trying to make a commission off of your misery. So called “professionals” who claim to help will oftentimes burn precious time and cause your situation to worsen. An attorney can explore your legal defenses, potentially stop or delay a foreclosure giving you time to address your arrears, and if you lose your home to a foreclosure, possibly obtain recovery of some of the auction funds on your behalf. Beware of people who claim to be “foreclosure specialists”, but who do not have the experience or credentials to represent you in a complex process.