Are you struggling to keep up with your mortgage payments? Have you received a notice of repossession from your lender? If so, you’re not alone. Many homeowners across the UK face the terrifying prospect of losing their homes due to financial difficulties. However, it’s essential to understand that even if your lender has already started the repossession process, there may still be hope. With the right legal assistance from a skilled and experienced law firm like ours, fighting a repossession order and keeping your home may be possible.
At Adel Jibs & Co Solicitors, we specialise in helping homeowners just like you navigate the complex and often overwhelming process of fighting a repossession order.
Our team of knowledgeable and compassionate solicitors has years of experience in this area of law, and we’re committed to providing personalised, practical solutions tailored to your unique circumstances.
Fighting a Repossession Order: Our Approach
When you contact us for help with your repossession case, the first thing we’ll do is arrange a consultation with us. During this consultation, we’ll take the time to listen to your story, understand your financial situation, and assess the details of your case. We’ll then explain your rights and options in clear, easy-to-understand language, so you can make informed decisions about how to proceed.
One of the key advantages of working with our law firm is that we have a deep understanding of the various strategies that can be used in fighting a repossession order. Depending on your circumstances, some of the options we may explore include
Negotiating a new payment plan
If you’ve fallen behind on your mortgage payments due to a temporary financial setback, such as a job loss or unexpected medical expenses, we may be able to negotiate with your lender to establish a new payment plan that fits your current budget. This could involve extending the term of your mortgage, reducing your monthly payments, or even temporarily suspending payments until your financial situation improves.
Claiming benefits and tax credits
Many homeowners who are struggling to keep up with their mortgage payments may be entitled to various government benefits and tax credits that could help boost their income. Our solicitors can help you identify and claim all the benefits you’re eligible for, which could make a significant difference in your ability to afford your mortgage.
Selling your home yourself:
If you’re unable to keep up with your mortgage payments and you don’t see your financial situation improving in the near future, selling your home yourself before it’s repossessed could be a smart option. By working with our law firm, you can ensure that the sale process is handled properly and that you have control over the timing and terms of the sale.
Representing you in court:
If your lender has already obtained a repossession order, our solicitors can represent you in court and make a case for suspending the order. We’ll gather evidence to support your case, such as proof of your efforts to pay your mortgage and documentation of any extenuating circumstances that have impacted your ability to make payments.
Arranging a Mortgage Rescue scheme:
In some cases, the government may be able to help you stay in your home by buying a share of your property through a Mortgage Rescue scheme. Our solicitors can help you determine if you’re eligible for this type of scheme and guide you through the application process.
Guiding you through bankruptcy: While bankruptcy should always be considered a last resort, in some cases it may be the best option for protecting your home from repossession. If you’re considering this route, our solicitors can help you understand the pros and cons of bankruptcy and guide you through the process of declaring bankruptcy.
Fighting a Repossession Order: The Importance of Taking Action Quickly
No matter which strategy we pursue in fighting a repossession order, the key to success is to take action as soon as possible. The earlier you contact our law firm for help, the more options we’ll have available to protect your home. Even if your lender has already begun repossession proceedings, there may still be time for us to intervene and stop the process.
At Adel Jibs & Co Solicitors, we understand how stressful and frightening the threat of repossession can be. That’s why we’re committed to providing compassionate, personalised support to each and every one of our clients. When you work with us, you’ll have a dedicated team of solicitors on your side, fighting tirelessly to help you keep your home.
If you’re facing the prospect of repossession, don’t wait until it’s too late to seek legal help. Contact Adel Jibs & Co Solicitors today at 02034173859 to schedule a confidential consultation with one of our experienced solicitors.
We’ll listen to your story, explain your rights and options, and develop a customised strategy for fighting a repossession order and protecting your home. With our legal expertise and unwavering commitment to our clients, you can have peace of mind knowing that you’re in good hands.
