Foreclosure refers to the process whereby a lender attempts to seize the home of a borrower to whom this lender has lent money. As the owner owns a home upon which they have given their lender a mortgage, if they are unable to make the mortgage payments, the lender will attempt to take back the property and sell it to recover the money owed and their expenses. In 2008-2009, millions of cases were commenced after the mortgage meltdown of the subprime era. The legal strategy borrowers have to fight back against their bank is called foreclosure defense. An experienced attorney will try and prove that the bank does not have the right to foreclose, or to find some technicality or resolution which enables the homeowner to stay in their home.

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