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free 60-minute consultation. Call us today!
Facing foreclosure in the Twin Cities can feel overwhelming. Potentially losing your home is a real possibility if you fall behind on your mortgage. Thankfully, you can fight back if the bank threatens to foreclose on your home. The first step is to contact a foreclosure defense lawyer.
Contact Kain + Henehan by calling (612) 438-8006 or filling out the online form. Our foreclosure lawyers provide legal advice and practical solutions to help you protect your home and finances. We handle every aspect of Minnesota foreclosure law and represent homeowners throughout each step of the process.
Our law firm works to safeguard your rights and evaluate alternatives to foreclosure. We have a record of helping homeowners remain in their homes. Our foreclosure attorneys know Minnesota law and pursue strategies that protect your interests. We offer free consultations to review your situation and outline possible options.
If you face foreclosure, you need experienced representation. We are licensed in Minnesota and provide personalized guidance for homeowners. Our attorneys examine all available options, including loan modifications and short sales, to help you avoid foreclosure and secure your home.
Bill Kain and Margaret Henehan have over 60 years of combined bankruptcy experience and have helped hundreds of Minnesotans get back on their feet after getting weighed down by debt.
At Kain + Henehan, we love people. We never view your story as a source of shame or embarrassment. We truly care about our clients and want to help them live their best lives.
Bill and Margaret are respected among their peers and colleagues. Their positive relationships within the bankruptcy court system leads to positive outcomes for their clients.
Foreclosure follows a strict process. The bank cannot just take your home overnight. They have to file legal action, and foreclosure can take months, if not years. Once foreclosure is filed, you have a chance to respond, and you may be able to stop the foreclosure and save your home.
Foreclosure ends with a foreclosure sale, where the lender auctions the property to recover the mortgage balance. This sale occurs after missed payments and proper legal notice. Our attorneys explain your rights and the legal implications of the sale.
The auction can produce stress and uncertainty, but our team ensures legal requirements are met. If the property sells for less than the debt, you may owe the difference. We can negotiate with lenders to reduce or remove any remaining obligation.
Minnesota law allows a redemption period after foreclosure, giving homeowners a chance to reclaim their property by paying the full debt, interest, and costs. The duration depends on the mortgage type and the property specifics. Our attorneys explain your exact timeline and options.
During redemption, you may repay the mortgage in full, refinance, or explore repayment arrangements. We help you understand funding possibilities and negotiate terms that make reclaiming your home feasible.
Since foreclosure is a legal process, there are strategies that can help you defend yourself against it. With the right help, you can protect your assets with the right foreclosure defense.
Foreclosure litigation applies when legal challenges exist, such as invalid mortgage claims or violations of state or federal law. Our attorneys represent you aggressively in court, including the United States District Court and the Minnesota District Court.
If the lender mishandled paperwork or engaged in predatory practices, litigation may halt foreclosure. Our lawyers investigate thoroughly, identify defenses, and pursue strategies to challenge foreclosure claims.
Selecting an experienced lawyer influences outcomes. Look for a team with years of foreclosure law experience and a record of success. Our firm provides focused attention and guidance through every phase of foreclosure.
We treat each case uniquely and explain legal procedures clearly. Our attorneys help you understand timelines, risks, and options so you can make informed decisions that protect your home and finances.
Free consultations allow you to review your mortgage documents and discuss legal strategies. We examine your case, explain rights, and outline a practical plan. These sessions provide clarity and direction for homeowners facing foreclosure.
During consultation, we discuss potential strategies, fees, and repayment plans. Our goal remains to equip you with the knowledge necessary to make informed choices about your property and financial future.
While foreclosure is a well-known problem, it is not the only option. There are several alternatives to foreclosure that may be a better fit for your situation.
Loan modification adjusts mortgage terms to reduce monthly payments or principal balance. This may include lower interest rates, longer repayment terms, or partial debt forgiveness. Successful modification allows affordable payments while protecting your home. We gather documentation, prepare persuasive applications, and advocate with lenders to secure sustainable terms.
A short sale sells the property for less than the mortgage balance. You need approval from the lender to do this, and all of the profits go to the lender to pay back as much of the debt as possible. If you are successful, the lender may forgive the remaining debt.
We guide you through the short sale process, list the property, and negotiate terms with the lender. Our goal remains to minimize financial loss while resolving the mortgage obligation efficiently.
Foreclosure involves several parties: the homeowner, the lender, and the foreclosure lawyer. Our attorneys explain the roles and responsibilities of each party to help you understand communication and legal steps. The lender holds the mortgage and initiates foreclosure. You are the homeowner at risk of losing property.
Business owners may face foreclosure if personal property secures business loans. Our attorneys help you protect assets and explore options to maintain operations.
We review loan agreements, evaluate repayment options, and represent clients in negotiations or litigation. Legal guidance helps business owners preserve their property and financial stability while addressing personal and business obligations.
What is a foreclosure defense lawyer?
A foreclosure defense lawyer specializes in protecting homeowners from losing property. We represent clients in court, negotiate with lenders, and pursue legal challenges. Our attorneys work to maintain your home and enforce your rights under Minnesota law.
How long is the redemption period in Minnesota?
Redemption can last from six months to one year, depending on the mortgage. Our lawyers determine your exact period and explain how to exercise your rights effectively.
Can I stop a foreclosure after it starts?
Yes. You may pursue options such as loan modification, bankruptcy, or litigation. Our attorneys evaluate your case and pursue strategies to halt foreclosure and protect your property. It is never too late to obtain legal assistance.
Homeowners in the Twin Cities benefit from experienced Minnesota foreclosure defense lawyers. Contact Kain + Henehan by calling (612) 438-8006 or filling out the online form. We can help you fight a foreclosure and win with our experience and expertise.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.