As a bankruptcy attorney at the Zaleski Law Firm, I get a lot of phone calls from people who are trying to get a loan modification. Quite often, at the same time the people are in the loan modification process, the bank is actively foreclosing on their house. People are oftentimes lulled into thinking that because they are working on a modification with the bank, they do not need to worry about the foreclosure. Sometimes, the bank even tells people as much. This presents a very risky situation. If a person does not respond to or deal with the foreclosure in the proper way, the person may end up waiving any rights he or she has to defend against it and having a default judgment entered. If the loan modification falls through, which it often does, the person is then out of luck as he or she did not properly defend the foreclosure and as a result, had a foreclosure judgment entered against him or her. Don’t let this happen to you. If you are facing foreclosure and also investigating a loan modification, you need to talk to an experienced bankruptcy lawyer or foreclosure defense attorney. The Zaleski Law Firm deals with this situation frequently. Give me a call!