Foreclosure Lawyer in Memphis, TN  Foreclosure Lawyer Memphis, TN

Darrell Castle and Associates, PLLC are known for distinguishing themselves by providing legal services to people who are going through hard times. Darrell Castle and Associates PLLC personal injury and financial difficulties, and hope to show their clients their respect and commitment to their cases.

Darrell Castle and Associates, PLLC have practiced bankruptcy and personal injury in Tennessee for over 30 years. This makes them an ideal law firm if you find yourself in need of a foreclosure lawyer in Memphis, TN. Darrell Castle graduated law school at Memphis State University, and he worked for a large insurance company for several years. This means that Darrell Castle has a lot of inside information about insurance companies that is perfect for when moving foreclosed on.

Now that you know Darrell Castle and Associates, PLLC, you might be wondering when you should hire a foreclosure lawyer in Memphis, TN. Over 35% of Americans are likely to face a fictional foreclosure at any given time according to the Census Bureau’s household post survey foreclosure is the act of an owner becoming behind on their mortgage payments and the lender taking the property. This forces the borrower to move out and the mortgage company will try to sell or auction the home to regain the debt they are owed.

Sometimes a foreclosure can be handled on your own but the process may be extremely challenging to navigate. You should consider hiring a foreclosure lawyer in Memphis, TN, to ensure that your foreclosure receives the utmost care and focus of an experienced lawyer

But what do foreclosure defense attorneys do? The answer is simple; they are going to know the latest regulation relations are relevant to your case. They will also know how to defend your rights, and that can make all the difference typically begins with the consultation, where you discuss the details of your case with your foreclosure lawyer. You want a lawyer with experience, especially if this is a home that you are hoping to continue purchasing and 11, the more experience the lawyer has such as the 30 years that Darrell Castle and Associates, PLLC have under their belt the better your chances of ending your foreclosure are going to be.

Dear foreclosure lawyer in Memphis, TN should be able to advise you of your rights and options, they should ask to examine your own paperwork, communication records to and from the mortgage company and more. You and your lawyer are going to agree on goals, whether you just want them to help you understand the process of foreclosure or you want to fight your foreclosure.

If you think that you have a valid defense a foreclosure lawyer can determine whether the lender followed proper practice. If the lender made mistakes with your account or has no legal standing to foreclose on you, your lawyer has a case. If your legal options are limited and you want to keep your home, a lawyer can help you by aiding you with negotiations. If you have a government backed loan, you may qualify for additional aid and you will need to ask your lawyer for guidance in receiving the aid and putting it to use. If you serve in the military, you can meet with a lawyer under the service members civil relief act or as CRA to discuss your foreclosure.

Only a home that you’re trying to own can be foreclosed on. Thus, a home you’re renting won’t ever face foreclosure unless the person you’re renting from isn’t paying the mortgage on it. When a lender attempts to foreclose on your home, it means that the lender finds you haven’t been paying your mortgage. Remember, until your home is paid in full, your lender is merely lending it to you and can take it back when you don’t hold up your end of the bargain. If your lender is trying to foreclose on your home, contact the best foreclosure lawyer Memphis TN has to offer, the lawyers of Darrell Castle & Associates.


What Are The Common Causes Of Foreclosure?

If you’ve recently become a homeowner and you’d like to know the common causes of foreclosure, we’re here to help. Foreclosure results from lack of payment. You may not be able to make regular payments to your lender if:

  • You lost your job
  • You took a significant pay cut
  • You developed a costly medical condition
  • You were in an accident and can’t return to your previous work condition
  • You and your spouse divorce (which can result in hefty spousal maintenance costs or less combined income)
  • A natural disaster hits


How Can Foreclosure Be Prevented?

Rest assured, it’s never a good decision to ignore your lender. Although some people normalize ignoring calls from creditors and debt collectors, ignoring your lender when you fall behind mortgage payments will have immediate effects. One of these effects can result in you and your family becoming homeless. Rather, it’s always in your best interest to contact an experienced foreclosure lawyer first, consult with that lawyer, and then approach your lender with a plan.

Your lender may be willing to rearrange your payment plan or agree to a financial plan that’s suitable for you if you are open and honest about your financial hardships. Of course, if you come into a stream of money that permits you to pay a lump sum or significant amount to your lender, then you should. No lender has to be patient nor work with you, after all.


There Are Three Types Of Foreclosure

There are three types of foreclosure, and each one has a distinct process. These foreclosures are judicial, non-judicial, and strict.

During a judicial foreclosure, the lender takes you to court and sues you for lack of payment. The result is that your home is auctioned off and sold to the highest bidder so that the lender can recoup as much money as possible. Usually, your home is sold for far less than what you paid for it.

During a non-judicial foreclosure, a judge isn’t involved, but you will still benefit from having a lawyer present. Here, the lender sends you a Notice of Default after you’re 30 days late on a payment. Some lenders wait until you’re 90 days late. Either way, once that happens, your lender informs you that you’ve broken your contract. From that point on, the lender can sell your home.

In a strict foreclosure, the lender takes your property without auctioning it off.

Tennessee follows the non-judicial foreclosure law.

Contact Knowledgeable Foreclosure Lawyers In Memphis TN at 901-327-2100 or email us at