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Charlotte Foreclosure Defense Attorneys

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With a home mortgage to pay and mounting debts, a homeowner runs a serious risk of becoming incapable of making the payments. Late fees would then ensue due to non-payment because there are just no available funds with which to pay them. This starts a vicious cycle of increasingly high bills you are already late on paying, leaving you vulnerable to home foreclosure. Thereafter, you will also have to pay back legal fees associated with a foreclosure action if you wish to become current with your mortgage payments.

Foreclosure is the result of being in default status for a certain amount of time. Procrastination on handling this type of matter is discouraged, as foreclosure can be completed in a quick fashion, and no one wants to lose their home. Contact Saffa Law Firm immediately to go over your options with our professional Charlotte foreclosure defense lawyers.

We understand the many defenses to foreclosure, including:

Schedule your free case review with our firm today, contact us!

Lawyers Fighting Foreclosure in Charlotte

Falling behind on mortgage payments also indicates a person is likely to be falling behind on other debt payments. Modification for your existing mortgage and / or changing the interest rates that apply might be a possibility for some relief to your situation.

Depending on your circumstances, you may have valid defenses our attorneys can use to get your foreclosure hearing or sale dates continued, thereby giving you more time for the following:

  • Finalizing mortgage modifications
  • Deeds in lieu of foreclosure
  • Loan modifications
  • Payoff & reinstatement figures

Relief Through Bankruptcy

Even if your loan modification has been denied and you don't have the money to get your mortgage current, filing bankruptcy is another option which offers immediate aid where a foreclosure is concerned. Filing a bankruptcy petition under Chapter 7 will delay a foreclosure sale from taking place for about 3-4 months. However, if you want to keep your home and cannot afford to get the mortgage current (within the next month or so) a Chapter 13 bankruptcy could enable you to keep your home.

In a Chapter 13 bankruptcy, your mortgage arrearages, or the back mortgage that you owe, aren't due immediately. In a Chapter 13, your mortgage arrearages are typically spread out over the next 36-60 months thereby giving you room to breathe. In Chapter 13's, you keep and repay any secured debts such as mortgages, vehicle loans, and furniture loans that you want to keep, and you repay your unsecured debts such as medical bills, personal loans, credit cards at a certain percentage as payment in full. At the end of your Chapter 13, your mortgage is current, your secured loans (cars, etc.) are all paid off, and all of your unsecured debt is gone (except for certain unsecured debts like alimony, child support, student loans).

Let’s Get Started – Contact Us for Legal Advice!

You don’t have to face this alone. Our Charlotte foreclosure lawyers are experienced, knowledgeable, and compassionate, and we want to help you find financial relief. There is hope for you and your family, and our team at Saffa Law Firm wants to provide the legal advocacy you need to protect your home. Your initial consultation is free, so you have nothing to lose by getting started.

If you or someone you care about is currently facing foreclosure, contact our firm to discuss your options in saving your home!

We serve clients throughout the City of Charlotte, Town of Cornelius, Town of Davidson, Town of Huntersville, Town of Matthews, Town of Mint Hill, Town of Pineville, Town of Stallings, Buford, Charlotte, Goose Creek, Hembry Bridge, Indian Trail, JAARS, Jackson, Lake Park, Lanes Creek, Marshville, Marvin, Matthews, Mineral Springs, Mint Hill, Monroe, New Salem, Sandy Ridge, Stallings, Unionville, Vance, Waxhaw, Weddington, Wesley Chapel, Wingate, Concord, Harrisburg, Kannapolis, Midland, and Mt. Pleasant.

Turn to Saffa Law Firm for Advice

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  1. Our office is open 7 days per week
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  3. Personalized results-driven strategies tailored to fit your needs
  4. Compassionate advocacy that is aggressive when necessary
  5. Over 25 years of legal experience
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Helping Clients Across Charlotte

See How Saffa Law Firm Has Guided Clients Through Their Legal Matters
  • “Love this lawyer She knows her Stuff!!!”

    Stanley Hunter

  • “I highly recommend this firm for all your legal issues.”

    Olivier M.

  • “The kindness and attention I received from Diana is unmatched from any other legal experience I have ever had.”


  • “Diana is the BEST there is!!!”

    Kelley Sheehan

  • “Diana is so down to earth and does an excellent job. My bankruptcy was smooth and easy.”


  • “I was never once left second-guessing my decision to have them represent me.”


  • “My husband and I didn't know where to turn”

    Porcha Petteway

  • “I was unemployed suddenly with a huge amount of credit card debt. Within a couple of months I was debt free!”


  • “I can't explain how satisfied I am with the service I was provided! Diana is such an intelligent force!”


  • “They helped me keep my residence, automobile, and work with my creditors as I worked to pay them.”

    Arnold S.

  • “A+ recommendation.”


  • “They are bankruptcy experts”

    Tanner S.

  • “She was incredibly well organized and I felt very secure in knowing I was in good hands.”


  • “They are responsible, professional and most important, they get the job done right.”

    Francine K.

  • “With Diana's knowledge and friendly attitude, she eased my fears and unrest.”