Foreclosure Services

 

JH&A does represent institutional lenders.  However, most of our clients are the individual investor and property owner.  Many times, these clients have completed a transaction by offering owner-financing or a contract for sale.  Unfortunately, the reason for this is that the buyer was not a good credit risk and was otherwise unable to obtain regular financing.  This is not to say that the transaction was a bad decision or cannot be otherwise profitable for the client.  But, as a part of the regular course of business, a portion of these transactions end up failing and the client needs to foreclose to protect his/her interest.

 

If as part of the transaction a deed of trust was signed or non-judicial foreclosure has been contractually provided, JH&A can help you.

 

If you don't have a deed of trust or are otherwise unsure if you can foreclose non-judicially, please call the number below.

 

We will send the required notices, post and record them where statutorily required, conduct all necessary checks to make sure that the debtor has not filed a bankruptcy or otherwise achieved a stay of the sale, conduct the sale, draft all deeds necessary to conclude the transaction and get you the proceeds within two days of the sale.

 

With regard to fees, JH&A structures its agreements differently than for its other services.  The reason is that many foreclosure sales will result with the creditor taking the property on their credit bid.  No funds or proceeds are available to pay fees or other associated costs.  As such, JH&A charges either an hourly fee (for a contested foreclosure) or fixed fee for normal substitute trustee services.

 

If you have a secured property in which the debt has defaulted, call JH&A.  We will get your security back for you.

281-408-3683

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