Foreclosure & Eviction

Crosby & Fox

Foreclosure & Eviction Las Vegas

Foreclosure Mediation & Defense

The COVID-19 Pandemic lead many people to fall behind on their mortgage payments. Many people took steps to work with their lenders to enter into forbearance agreements with their lenders, being promised that when the crisis was over, the lender would work out a modification. Now, many homeowners are finding that there are no modification agreements, or that the agreements being offered are unrealistic or impossible to perform. Crosby & Fox is here to help you know your options and to find ways to help you keep your home. 

Nevada has a Foreclosure Mediation Program, designed to help homeowners keep their home and their hope.  The program is intended to give homeowners access to a real person, representing the lender, so that a solution can be worked out, foreclosure can be prevented, and communities can stay together.  We were one of the first firms in Las Vegas to participate in the Foreclosure Mediation Program; one of the first to file a petition for Judicial Review; and one of the first to file an appeal to the Nevada Supreme Court over a mediation matter.  We also have the experience to ensure the lender complies with all of its obligations to produce correct documents, and participate in good faith. Being well-respected among judges and court, we understand how to protect our clients’ interest with dedication and respect.

Foreclosure mediation helps homeowners avoid foreclosure by working out new mortgage terms or making other agreements that their lender can also agree to. In the Nevada Foreclosure Mediation Program, the process is overseen by a court-appointed mediator, to ensure all parties participate in good faith.

Also, before a lender can foreclose on your home, they are required, by law, to be properly in possession of very specific documents. They also are required to provide you information about what documents they have and how they obtained them. If they do not have the proper documents, they cannot initiate or complete the foreclosure process.  Foreclosure Defense is about protecting your rights, and ensuring you are not taken advantage of. Crosby & Fox is here to help you identify the possibly issues with the foreclosure process, separate out the strong arguments from the weak ones, and then determine the best forum in which to raise any objections you may have. But timing is important; the earlier you meet with us, the more options you will have.

If foreclosure mediation or foreclosure defense are not options, or if those options don’t work, there are also bankruptcy options. The bankruptcy lawyers at Crosby & Fox, LLC are here to help and serve homeowners in the Las Vegas, NV area that are facing foreclosure. Through a bankruptcy, you may be able to force your lender to accept repayment options that are more reasonable; mediate with your lender in a program overseen by a federal bankruptcy judge, or simply give your self time to sell a home so you can keep the equity you have amassed. Bankruptcy can help you regain control of your financial situation. 

At Crosby & Fox, we are here to help and to serve homeowners in the Las Vegas Valley who are facing foreclosure. Your initial consultation is free, and there is no obligation.  PLEASE CONTACT US NOW.  We can help you keep your home, and keep your future bright.

Stop Evictions

THE EVICTION MORATORIUM IS OVER. BUT THERE IS STILL HELP FOR NEVADA RESIDENTS. There are many reasons why people miss their rental payments.  The COVID-19 pandemic has harmed tens of thousands of people in the Las Vegas valley. Now, with the eviction moratorium over, you need to know your options to stop evictions.  Come meet with an Attorney at Crosby & Fox, and we will discuss all of the options you have to stop foreclosure including mediation, applying for government programs, negotiation, and bankruptcy options.

Nevada has received over $5,000,000.00 in rental assistance from the Federal Government. Money specifically set aside to help renters catch-up on their rent. The Nevada Legislature has also recently passed AB 486. This law gives you a defense to stop foreclosure if you are seeking payment assistance from government programs. We are here to help you apply for the programs that can help you pay your rent, and stop and eviction until you get your share of the government funds you need. 

In 2020, in response to the global pandemic, the Nevada Legislature created an eviction mediation program.  A tenant has a right to use this program to try to avoid an eviction.  The Eviction Mediation Program is designed to help you meet with your landlord, explain your situation, and with the help of a mediator, work towards a resolution so you do not end up on the street.  This will also help you avoid an eviction on your credit report, which can make it harder to rent a new location in the future. Even if you are planning on leaving, this program may help you establish a more definite time line on when you will need to leave, so that you don’t need to worry about a police officer showing up unexpectedly at your door forcing you to leave.

And, if you cannot get federal assistance or if the mediation does not work, there are bankruptcy options that may also give you the opportunity to finish your lease, or at least have additional time before you have to move. The automatic stay in bankruptcy can stop the eviction process and give you a breathing space to plan your next move.  And in a Chapter 13 bankruptcy, you may be able to assume your lease and propose to re-pay the amount you are behind over time.

Your options to stop an eviction are VERY time sensitive. The longer you wait, the fewer options you will have. Your initial consultation is free.  PLEASE CONTACT US NOW.  We want to help you have peace of mind, and help keep your future bright.

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