What information do I need to provide to my lender for foreclosure defense?

When facing foreclosure in West Virginia, it is important to know the necessary information you must provide to your lender for foreclosure defense. Generally, West Virginia law requires three elements to be established in order to successfully defend against foreclosure: 1) the homeowner must be able to show they are financially able to make their loan payments; 2) they have kept up with their loan payments, and; 3) that the lender failed to follow the correct foreclosure process or violated other laws in the foreclosure process. To demonstrate financial ability to make payments, provide lenders with a copy of your most recent pay stubs and tax returns to demonstrate your monthly income. To establish that you are up to date on your payments, provide documentation that proves you made your mortgage payments on time, such as bank statements showing the payment being made each month. Finally, if the lender failed to follow the correct foreclosure process or violated other laws, provide documentation that proves this, such as emails or letters from the lender stating they are in violation. It is important to remember that if you are facing foreclosure in West Virginia, you have the right to seek legal advice from a qualified attorney. A lawyer can review your documents and provide guidance on the best path moving forward. Additionally, it is important to be prepared for the lengthy foreclosure defense process. Gather all the necessary documents you will need beforehand to increase your chances of success.

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What information do I need to provide to my lender for foreclosure defense?

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