The skilled and seasoned Ohio debt-relief attorneys at Fesenmyer Cousino Weinzimmer understand that financial problems can happen to even the most well-intentioned people. So if you’re facing foreclosure and think you need an Ohio foreclosure attorney, let us help.

It pays to be knowledgeable about foreclosure avoidance options to increase the chances of keeping your home. Remember, if you’re facing foreclosure, you have options, which a foreclosure lawyer in Ohio can help you explore.

We offer a free consultation to evaluate your financial situation and determine which debt-relief solutions work best for you.

How an Ohio Foreclosure Attorney from FCW Can Help You

Facing foreclosure is never easy. But it’s important to remember that you have options. By contacting the team at FCW, a foreclosure lawyer in Ohio can help you right away. By working side by side with our experienced attorneys, we’ll help ensure you’re making the best financial decisions toward saving your home.

Finding legal support for foreclosure in Ohio is pivotal for saving your home. Not every Ohio foreclosure case is a done deal simply because your lender says foreclosure is necessary. Our experienced attorneys can help you by:

  • Determining whether restructuring your debt can save your home
  • Rooting out an improper or illegal foreclosure that is therefore not valid
  • Managing foreclosure legal proceedings, avoiding costly mistakes or inaccurate filings
  • Mitigating losses if foreclosure is necessary

As an Ohio foreclosure law firm whose attorneys truly care, we will put our full efforts and resources into helping you. We want to help you save your home and negotiate foreclosure as painlessly as possible.

What Should You Do If You Are Facing Foreclosure?

If you are facing foreclosure in the local area, we understand just how stressful it can be. Fortunately, there are multiple options available. Some of the steps that you may want to take if you are facing foreclosure include the following.


One of the first things you should do is get as current as possible on your home loan. Sure, you may not be able to afford to catch up, but you do not necessarily need to get completely current on your loan to put yourself in a better position.

If you show your lender that you are willing to get as close to current as possible, they may be more inclined to negotiate with you when you contact them for assistance. At the very least, they might be willing to waive any late fees attached to your account.


Once you have gotten as current as you can, you should consider applying for a loan modification. A loan modification will essentially change your payment plan with your lender, possibly shrinking the size of your monthly payment to allow you to get current in the future.


You may also want to discuss loss mitigation options with your lender. There are a few options that your lender may discuss with you. Some of the most common examples include:

  • A forbearance agreement
  • A deed in lieu
  • Some other tools that the lender may have at their disposal


If you can’t avoid foreclosure on your own or need help navigating the complexities, get legal support for foreclosure in Ohio. Our experienced Ohio foreclosure attorneys can help you to seek an injunction that stops the foreclosure. We can also help spot improper lending practices in order to challenge a foreclosure.

Foreclosure is stressful. By letting us handle the process, you can focus on your financial situation and how to take the best steps forward.

Need Legal Support for Foreclosure in Ohio? Why Choose Us.

If you are looking for a foreclosure lawyer in Ohio, you understand that the stakes are high. You need to hire the right team, and there are several reasons why you should work with an Ohio foreclosure attorney from Fesenmyer Cousino Weinzimmer.

They include:

  • Expertise: We have an unparalleled level of experience in our field and can use all of our expertise to ensure we put your interests first. We will use our knowledge and resources to help you the best we can.
  • Prior Results: We have a long track record of success and have helped thousands of clients in positions like yours.
  • Positive Reviews: We have plenty of positive reviews and testimonials that testify to what we can do to help you.
  • Communication: We explain everything to you in a way you can understand, making it easier for you to decide what is best for your needs.
  • Care: We are an Ohio foreclosure law firm that cares. Clients are more than just numbers; everyone we serve offers an opportunity for us to demonstrate how much we care.

When you need a foreclosure lawyer in Ohio who can protect your rights and defend your interests, rely on our team to help you. No Ohio foreclosure case is too challenging for our experienced team, and we’re eager to find out how we can best serve you.

Sources of Mortgage Problems

Your current mortgage problems may have come about for different reasons, such as:

  • A decrease in income because of a layoff, a business downturn, or a medical crisis
  • The rising cost of living or accumulation of other types of debt, such as credit card balances and medical debt
  • Mortgages that contain high-risk features, such as adjustable interest rates, that have dramatically increased payments

Once your mortgage is in arrears for more than a month or two, you may need personalized advice to find your best options for preventing foreclosure. That’s why it’s critical to speak with an Ohio foreclosure attorney as soon as you can.


When faced with foreclosure, there are many options, from letting the house go to filing for bankruptcy.
Options may include the following.


While Ohio law does not recognize a right of reinstatement, your loan papers may provide for doing so. You can stop the foreclosure by bringing the loan current by paying the following:

  • Past due principal and interest payments
  • Escrow shortages
  • Late charges
  • Attorney’s fees and costs related to the foreclosure


Loan modification, if available and applicable to your circumstances, can lower your interest rate and/or monthly payments.


There may be special, lender-specific options for you, such as:

  • Direct negotiations with your mortgage lender to obtain a legally binding agreement, allowing you to catch up with mortgage payments
  • Legal challenges to the lender with the help of a foreclosure defense lawyer
  • A decision to allow the foreclosure to take its course, with legal advice and a plan to manage this process with the least amount of stress


Thanks to the program “Save the Dream Ohio,” if you were laid off or disabled on or after January 1, 2014, and are eligible for unemployment or disability benefits, you might qualify for up to $35,000 to bring your delinquent first mortgage current and make your mortgage payments for as many as nine months.

Is My Ohio Foreclosure Case Legal?

Banks and lenders can make mistakes, and they sometimes aren’t as thorough as required. As a result, your Ohio foreclosure case might not even be legal. Through various means, lenders can threaten a foreclosure that is not legal.

  • If your bank or lender told you something that wasn’t true, that could mean your foreclosure is fraudulent
  • A lender might miss documentation, failing to have you sign paperwork needed to legally enforce a foreclosure
  • Automatic signing of certain documents may have been used, preventing your ability to properly agree to terms and conditions
  • Deceptive tactics might have led you to agree to a mortgage loan that you couldn’t afford

By having your foreclosure reviewed by an experienced Ohio foreclosure law firm, we can spot an illegal foreclosure. Don’t accept everything a lender tells you without speaking to our Ohio foreclosure attorney first.

Foreclosure Procedures

If you are facing foreclosure in Ohio, you must go through the courts. After you are more than 120 days delinquent, your lender will file a foreclosure summons and complaint. Ohio does not require lenders to give you notice before filing, but your mortgage loan agreement may do so.


The court then issues a summons that contains instructions as to when and where to file an answer and other important information, including copies of your promissory note and mortgage.


You have 28 days from the date that you are served with the summons and complaint to send your answer to the foreclosing creditor’s attorney and then three days to file your answer with the court.

If you do not file an answer on time, the court may grant a default judgment against you.


After you file the answer, you will have at least one pre-trial hearing or status conference to discuss the issues with the judge and the bank’s attorney. The lender may request a summary judgment, settling the case in their favor, which you are allowed to oppose.

If there is no summary judgment, the case will go to trial, where you will have to prove your defense with documents and witnesses. If the lender gets a judgment for foreclosure, procedures to sell the home will begin.

You have a right to redeem your house in foreclosure (pay off the mortgage loan and fees in full) until the sale of the house is confirmed by the court.


Declaring bankruptcy offers many homeowners an opportunity to keep their homes while repaying mortgage payments with the least amount of worry. Filing for bankruptcy can immediately put a stop to foreclosure. Once you declare bankruptcy, a provision called an Automatic Stay goes into effect immediately. An automatic stay essentially halts all collection efforts and proceedings, including foreclosure.

Even if a sheriff’s sale is quickly approaching, our Ohio Bankruptcy Attorneys can work immediately to stop it and get a real solution underway.

Contact Our Ohio Foreclosure Law Firm Today

The experienced foreclosure lawyers in Ohio at Fesenmyer Cousino Weinzimmer know that too many people wind up facing foreclosure despite their best efforts, and we can help.

We recognize that everyone’s individual situation is different, so we offer a FREE INITIAL CONSULTATION to evaluate your entire financial situation and make sure you are aware of all your options.

We will examine your income, your debts, and your goals and help you find the best and most affordable path to a brighter financial future.

If you’re having difficulty paying your mortgage or you’re facing foreclosure notices on your property, contact one of our offices in Columbus, Dayton, or Cincinnati by email or by calling 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati).

Attorney Courtney Cousino

Courtney is an attorney at Fesenmyer Cousino Weinzimmer who has helped thousands of people overcome financial difficulties. Because of this experience, she has the knowledge and understanding of the law required to help people begin the journey to a more secure financial future. Being a part of a boutique law firm with a handful of attorneys that dedicate their skills to one area of law means that she focuses her time on very individualized solutions to managing debt related issues. [ Attorney Bio ]


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