We have helped over 1,400 people with their foreclosure and legal issues.
Ohio Foreclosure Defense Lawyers
Top Rated Foreclosure Defense Lawyers
Troy Doucet and Andrew Gerling are AV-rated attorneys by Marindale Hubbell. This is the best lawyer rating available through the peer-rated survey. Troy and Andy have also been ranked in SuperLawyers as Rising Stars for several years. Mr. Doucet recently earned SuperLawyer's best attorney ranking, SuperLawyer, for consumer law.
Doucet Gerling maintains an A+ rating with the BBB. The firm remains Accredited through the BBB as well. Our firm is known in many circles for our good work helping people. We are also compassionate about what you are going through. That is how we have earned over 70 "5-Star" ratings with Google. Finally, our foreclosure defense law firm has won multiple cases in state and federal court that help people facing foreclosure. Some of our best foreclosure defense cases set legal precedent.
Call us today at (888) 200-9824 to see how we can help you.
Avoid Bankruptcy & Stop Foreclosure
Our Ohio mortgage loan and foreclosure defense attorneys are known for their work helping families facing foreclosure. We represent clients prior to the foreclosure complaint being filed in court, after foreclosure has started, and directly with the lender to get a deal done, all without the need to file bankruptcy. We fight in court for our clients. We get deals that others can’t because we are tough, smart, and thorough. The banks know it won’t be easy taking our clients homes. We keep the pressure up to maximize results. Learn how we help our clients avoid bankruptcy.
What is a foreclosure?
Foreclosure is the legal process to take property and sell it to recover money owed under a loan. People refer to foreclosure as a thing, but foreclosure is actually a process. The foreclosure process begins with a lawsuit being filed in court. That lawsuit asks for two things. The first is for money owed under a loan. This amount will include some junk fees and court costs. The second thing requested in a foreclosure is to sell the property to pay off the loan. The right to sell the home is found in the document called the mortgage (or deed of trust). This part of the lawsuit is what makes a foreclosure different than other kinds of lawsuits. Suing for money is just a run-of-the-mill breach of contract. Adding in the mortgage makes it a foreclosure. That is why we refer to a loan secured by a house a “mortgage,” and the process of forcing the home a “foreclosure.” (Technically, a “foreclosure” ends the homeowner’s right to the property – forecloses their interest.)
Troy Doucet graduated magna cum laude from law school. Andrew Gerling graduated cum laude from law school and summa cum laude in his undergraduate studies. They are both top rated foreclosure defense lawyers by several organizations that rate attorneys. We strive to be the best foreclosure lawyers for you and your family. We are known for our hard work work and outstanding results and help people in Ohio. Give us a call today to see how our top rated foreclosure defense attorneys can help you.
Our top rated foreclosure defense lawyers have experience with loan modifications, write-offs, write-downs, walk-aways, and more. Damages and fees might also be available.
We have helped over a thousand families with outstanding results. Learn all about foreclosure.
Actual Quote From a Bank Lawyer about Doucet Gerling:
"Based on the opposing counsel firm[,] this matter will become litigated and will require extensive fees to prosecute the foreclosure and defend the counterclaim."
This was an actual quote by a bank's lawyer to the bank regarding Doucet Gerling's involvement with a foreclosure case. This quote reflects our hard work and dedication to litigating each and every foreclosure case, and it is good news for our clients. When opposing counsel understands how difficult the foreclosure case will become with our law firm on the other side, better and faster deals are done. A foreclosure settlement can save the bank time and money, which means leverage for you to get a deal you love. Our hard work helps get these challenging times behind you quicker.
Andrew Gerling and Troy Doucet
What is Foreclosure?
Foreclosure is the legal process to take property and sell it to recover money owed under a loan. People refer to foreclosure as a thing, but foreclosure is a legal process. The foreclosure process begins with a lawsuit being filed in court. That lawsuit asks for two things. The first is for money owed under a loan. This amount will include some junk fees and court costs. Ohio prohibits the bank from obtaining its attorneys’ fees in a foreclosure lawsuit. In order to defend against the first count, we can do any of the following:
Defend the foreclosure.
Challenge the amount owed.
Challenge the plaintiff's standing to bring the claim.
Argue the note transfer process was defective.
Pursue a TILA rescission claim if it is available.
Raise other defenses or claims, such as claims under RESPA
The second thing requested in a foreclosure lawsuit is to sell the property to pay off the loan. The right to sell the home is found in the document called the mortgage. This part of the lawsuit is what makes a foreclosure different than other kinds of lawsuits. Suing for money is just a run-of-the-mill breach of contract. Adding in the mortgage makes it a foreclosure. Our foreclosure defense lawyers are familiar with these causes of action and defending them.
If a homeowner does not answer the foreclosure lawsuit (or loses the lawsuit), the bank gets the right to sell the home to pay back the loan. A judge can also order judgment against the homeowner for the amount of the loan as part of a foreclosure lawsuit. Then the bank asks the sheriff to appraise and sell the home. A foreclosure auction is scheduled, the home is sold, then the loan paid off.
By Not Responding to the Foreclosure and Losing the Case, You Risk:
An Order Selling Your Home
Judgment Against You Personally
Garnishment of Wages
Attachment of Bank Accounts
Significantly Damaged Credit
The Embarrassment of Foreclosure
The Inability or Challenge of Obtaining Future Home Loans
If the amount of the auction does not cover the full amount of the bank's loan, then the bank may have the right to take a deficiency judgment. That allows the bank to seek payment directly from you until it gets all its money back. If there is extra money from the foreclosure sale, you are entitled to keep that money. However, you will need to ask the court within a short period of time to send it to you. We will work hard to help you save your home from foreclosure, or not face a deficiency if you decide to give it up.
We know you didn't want to be in this situation. Nobody wants to end up in foreclosure, but are here to help.
Most of our clients want to save their home from foreclosure. Other clients need time to get back on track while looking for work. Still others want to walk away from their home but want to avoid a deficiency judgment (with maybe some cash for keys) after the foreclosure. Our attorneys help people on all fronts. That is, we work towards a resolution you want while avoiding a foreclosure judgment or sheriff’s sale. Our top rated foreclosure defense attorneys job is to help you meet your objectives. We also want to help you decrease your stress and the anxiety you might be feeling from the foreclosure.
You can feel comfortable with the top rated foreclosure defense attorneys at Doucet Gerling helping with your foreclosure case. We represent people against banks and mortgage companies every day. Many of our clients are in foreclosure or are at risk of foreclosure.
We do NOT file bankruptcy. Instead, our foreclosure defense attorneys represent you in court. We defend the foreclosure and work to find an outcome you love. We serve people facing foreclosure all around Ohio. However, we are nationally recognized for our work as foreclosure defense attorneys. Troy Doucet and Andy Gerling regularly train other lawyers in this area (CLEs). Doucet Gerling provides free consultations to explain your options when facing foreclosure. You might be surprised to learn how we can help. We are also very experienced with RESPA and the FDCPA.
Smart & Aggressive
Our top rated foreclosure defense attorneys have set law in the Sixth Circuit. We have multiple precedent-setting consumer cases.
Our lawyers aggressively pursue claims and defenses on behalf of our clients. This helps us get better deals for our clients.
Our top rated foreclosure defense attorneys have taught over a dozen courses on foreclosure defense and consumer law.
Leaders in Foreclosure Defense
If you are looking for the best foreclosure defense and mortgage lawyers to help with your foreclosure, call us first. Our legal consultations are free and we work with clients across Ohio. Our top rated foreclosure defense lawyers are ready to help.
Call (888) 200-9824 today for your free legal consultation. If you are looking for the best foreclosure lawyers, call us today.