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Atlanta Foreclosure Attorney

Helping You With Foreclosure Defense and Surplus

Foreclosures are notoriously complex processes, and once it has been triggered, you need to act skillfully and fast. With the right Atlanta foreclosure lawyer on your side, you can quickly assess the range of foreclosure defense options before you and successfully execute your game plan without missing a beat. At Schuyler Elliott & Associates, Inc., we have the proven experience and dedication to help you delay foreclosure, pull off a short sale, or avoid foreclosure altogether. You have options for saving your home, even if you've fallen behind on mortgage payments. Contact our attorneys at any time to get started saving your home today.

 

Why Choose Schuyler Elliott & Associates, Inc.?

Schuyler Elliott is backed by 25+ years’ legal excellence, has helped thousands of clients, and is available 24/7 to deliver personalized counsel.

Foreclosures are time-sensitive matters, and we are ready to deliver the instant response you deserve. Even if it's the weekend or the Monday right before the foreclosure sale, our Atlanta foreclosure lawyer is ready to meet with you to explore your legal options. 

Want to learn more? Ready to start fighting your foreclosure?
Call our firm 24/7 or contact us online for your no-cost consultation!

  • Helped Thousands of Clients
  • Available 24/7 to Deliver Personalized Counsel
  • Backed by 25+ Years of Excellence

How Long Do I Have to Recover Surplus Funds?

In Georgia, claiming surplus funds after a foreclosure is time-sensitive. You have a maximum of 5 years before the funds are paid to the state. It's crucial to consult with an attorney as soon as possible if you believe you're entitled to overages. Taking action promptly can help you receive the funds you're owed. Failure to act in time means losing the opportunity altogether. Don't let this happen to you. Seek legal guidance from our team immediately.

The Foreclosure Process

  • Step 1 – A 30-day Notice of Intent to Foreclose
    A lender must notify the borrower 30 days prior to scheduling a foreclosure sale. There are specific parameters that must be meet when providing this notice and if not meet, then the notice can be deemed invalid.
  • Step 2 – Publicized Sale
    The lender must run a public advertisement for at least four weeks. This advertisement must be in an official, county newspaper where the property is located and must run at least once a week for four weeks before the sale.
  • Step 3 – Reinstating the Loan
    At this point, the borrower has the option to reinstate the loan. In Georgia, residents have the right to pay back money owed and reinstate the loan up to 5 days before the foreclosure sale. In some limited circumstances, a loan can be reinstated before the foreclosure sale is even schedule.
  • Step 4 – A Foreclosure Sale
    If a borrower is unable to pay the money owed and reinstate the loan, then a lender has the right to hold a foreclosure sale on the first Tuesday of the month.

Navigating Foreclosure Surplus Funds in Norcross, GA

Living in Norcross, you may already be familiar with the local housing market and the challenges it can present. The process of recovering foreclosure surplus funds can be particularly daunting for residents here. At Schuyler Elliott & Associates, Inc., we understand the unique aspects of the Norcross community and are here to help you navigate this complex process.

Norcross residents often face specific challenges when dealing with foreclosure surplus funds. The Gwinnett County Recorder's Court and the Gwinnett County Tax Assessor's Office are key local entities involved in the foreclosure process. Understanding how these local government bodies operate can be crucial in successfully reclaiming your surplus funds.

One common pain point for Norcross homeowners is the intricate paperwork and legal procedures required to file a claim. Many residents find it overwhelming to gather all necessary documents, such as proof of ownership and identification, especially when dealing with the emotional stress of foreclosure. Our team is well-versed in the local legal landscape and can assist you in compiling and submitting these documents accurately and promptly.

Another challenge is the waiting period mandated by Georgia law, during which other lienholders or interested parties can assert their claims on the surplus funds. This period can be particularly stressful for those who are already financially strained. Our attorneys are familiar with the timelines and procedures specific to Gwinnett County and can help expedite your claim, ensuring that you receive your funds as quickly as possible.

By choosing Schuyler Elliott & Associates, Inc., you're not just hiring a law firm; you're partnering with a team that truly understands the Norcross community and its unique challenges. We are committed to providing personalized service and guiding you through every step of the foreclosure surplus funds recovery process.

Don't let the complexities of the legal system deter you from reclaiming what is rightfully yours. Contact us today to learn how we can assist you in navigating the foreclosure surplus funds recovery process in Norcross, GA.

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