Starting on November 12th, Alabama lawyers will answer a toll-free hotline to assist homeowners faced with foreclosure, according to the Alabama State Bar and Legal Services Alabama, two organizations that partnered to provide the service. The hotline number is 1-877-393-2333, according to Brad Carr, director of communications for the State Bar in Montgomery. Help is free to anyone. “You can own a McMansion or a modest home; it doesn’t matter,” he said. Lawyers from all over the state will staff the hotline. “There are foreclosure procedures as simple as writing a letter to your lender, and the attorneys can do that,” Carr said. “Or they can help in a mediation with your lender.”
If the matter is already in litigation and the homeowner needs representation in court, the homeowner will be charged a fee, with the amount based on the person’s income, he said. Alabama has two kinds of foreclosure proceedings, judicial and non-judicial, according to Tom Methvin, our Managing Shareholder, who is president-elect of the State Bar. Tom says non-judicial foreclosures are most common and can occur within 21 days and that’s why it is crucial for homeowners who have missed making even one monthly mortgage payment to call the hotline immediately.
The nonprofit Legal Services Alabama, which provides legal assistance to low-income Alabamians, pays the lawyers to man the hotline. The cost is covered by a grant from the Alabama Civil Justice Foundation and Access to Justice Commission. For more information on foreclosures, go to the State Bar’s web site at www.alabar.org.
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