Know your rights in California foreclosure law

Foreclosure laws in California are very specific and keep the lender from suddenly sweeping in and taking your home. For example, in California, homeowners have three months to recover their home after a notice of default has been filed with the trustees office. If you know your rights in California foreclosure law, you will know more of your options.

I recommend: Research California foreclosure law at Advantage Mitigation Services. Also, Foreclosure University outlines Foreclosure laws in California. A timeline of the CA foreclosure process is available at AllForeclosures.com.

Seek out help with California foreclosure recovery

There are several options for people seeking foreclosure recovery. California has several alternatives for solutions through government or non-profit organizations.

I recommend: Find CA foreclosure consultants certified through the Federal Department of Housing and Urban Develpment (HUD). These housing counselors are trained to help homeowners find their options. Consumer Credit Counseling Service offers a free online course which outlines the options of California homeowners who want to keep their home.

Look for a California foreclosure attorney

A California foreclosure attorney will help you know your rights and may be able to work with your lender to keep you in your home.

I recommend: Attorneys.com has a list of California foreclosure lawyers by city. You can also contact a California foreclosure attorney through ForeclosureLawFirms.com.

Watch out for mortgage recovery scams

The Federal Trade Commission warns that there are plenty of bad guys operating in the foreclosure recovery business who will take your money and provide no service. Some warning signs, according to the FTC: advertising terms like "guarantee" and "97% success rate", upfront fees before services and company names or websites designed to make you think you're dealing with a government or nonprofit agency.

I recommend: Educate yourself about foreclosure recovery scams through the Federal Trade Commission.  The FTC recommends you only seek foreclosure help from government sanctioned counseling agencies like the ones recommended by the U.S. Department of Housing and Urban Development or the federal Making Home Affordable program.