The Californer - Murrieta Homeowner Preserves Equity After Foreclosure Dispute

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A homeowner facing foreclosure preserved equity through coordinated legal and real estate strategy, highlighting the importance of early action.

MURRIETA, Calif. - Californer -- A Murrieta homeowner facing a trustee's foreclosure sale was able to preserve her remaining home equity thanks to the swift action of Lawyer's Realty Group.

With the foreclosure sale only one week away, the homeowner contacted Lawyers Realty Group in distress, concerned that the pending sale would leave her with little or nothing from the property.

Lawyers Realty Group first acted under California's foreclosure postponement law created by AB 2424, now codified in Civil Code § 2924f. By properly listing the home on the MLS through its licensed brokerage and serving the required notices on the foreclosure trustee, the firm secured a 45-day postponement of the trustee's sale. That delay created the time needed to investigate the title issues and protect the homeowner's equity.

During that review, the firm identified a significant title problem: an old abstract of judgment lien for just under $72,000. If left unresolved, the lien could have consumed nearly all of the homeowner's available equity.

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"Many homeowners do not lose equity simply because of the foreclosure itself," said Derik Lewis, lead attorney and Realtor® at Lawyers Realty Group. "They lose equity because title problems, judgment liens, servicing issues, or missed deadlines are not addressed in time. In this case, the postponement gave us the opportunity to identify the lien and pursue a legal strategy to remove it."

After reviewing the homeowner's options, Lawyers Realty Group helped coordinate a Chapter 7 bankruptcy filing and a lien avoidance motion under Bankruptcy Code § 522(f). Because the judgment lien impaired the homeowner's homestead exemption, the lien was avoided and stripped from the property. The result allowed the homeowner to resolve the foreclosure threat, eliminate the judgment lien, and preserve the overwhelming majority of her equity.

"This case shows why foreclosure matters often require more than a standard real estate listing," Lewis said. "A distressed homeowner may need legal analysis, title review, foreclosure timeline management, bankruptcy issue spotting, and brokerage services working together. When those pieces are handled early enough, the outcome can be dramatically different."

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The homeowner has now avoided the immediate foreclosure sale, resolved the judgment lien issue, and protected equity that otherwise may have been lost.

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About Lawyers Realty Group

Lawyers Realty Group is a California attorney-realtor team focused on helping homeowners facing foreclosure, title problems, probate and trust sales, reverse mortgage complications, judgment liens, bankruptcy lien avoidance, zombie mortgages, and other distressed-property issues. The firm combines legal representation with full MLS brokerage services to help homeowners evaluate whether to keep, sell, refinance, postpone, or otherwise protect their property.

For a confidential consultation, contact Lawyers Realty Group at (949) 264-0966 or visit www.lawyersrealtygroup.com.