Multi-State Foreclosure Counsel for Mortgage Servicers and Institutional Lenders

Supporting residential, manufactured housing, commercial, and business-purpose loan enforcement across Padgett's 13-state operational footprint

Asset-specific Foreclosure and Litigation Services Across our Judicial and Non-Judicial Footprint

Padgett offers clients a deep bench of over 60 devoted creditors' rights attorneys experienced in a range of asset-specific foreclosure services, including single- and multi-family residential, manufactured housing, commercial, and business purpose loan foreclosures. Our attorneys routinely handle additional services, including litigation, evictions, work-outs, loss mitigation, and other pre- and post-foreclosure actions that complete our suite of technology-driven default lifecycle legal services.

Manufactured Housing Foreclosure or Replevin

CONTESTED + UNCONTESTED

Padgett leads the nation in manufactured housing replevin services and educational offerings related to MH nuances.

REPLEVIN SERVICES

Single- and Multi-Family Residential Foreclosure

CONTESTED + UNCONTESTED

Padgett is a market leader in residential foreclosure services, as well as foreclosure-related and rental evictions or ejectments.

RESIDENTIAL FORECLOSURE

Commercial and Business Purpose Loan Foreclosure

CONTESTED + UNCONTESTED

Padgett aggressively handles commercial work-outs, business purpose loan foreclosures, and other non-routine assets.

COMMERCIAL FORECLOSURE

Padgett prosecutes judicial and non-judicial foreclosures across the firm's multi-state footprint. Foreclosure actions involving borrower representation or contested proceedings can introduce additional litigation, regulatory, and timeline considerations for mortgage servicers and investors. These contested matters often require coordinated legal strategy to address borrower defenses, procedural challenges, and litigation-related delays while maintaining compliance with applicable servicing guidelines and investor requirements.

By coordinating foreclosure strategy with litigation and bankruptcy support, Padgett helps clients manage borrower-initiated challenges while maintaining enforcement continuity and alignment with investor and regulatory requirements. Our experienced litigators routinely assist clients in matters involving the full spectrum of default litigation from borrower-represented foreclosure proceedings, procedural and standing challenges, title or lien priority disputes, notice or service issues, statutory borrower claims or defenses, to bankruptcy-related enforcement delays, when necessary.

Padgett supports clients managing contested foreclosure matters in both judicial and non-judicial jurisdictions. Our devoted litigation attorneys work closely with mortgage servicers, asset managers, and portfolio holders to evaluate borrower challenges, respond to litigation, craft appellate strategy, and pursue resolution efforts that support continued enforcement activity and investor liquidation timelines.

In judicial foreclosure states, enforcement of secured loan obligations proceeds through court-supervised litigation that may involve borrower defenses, motion practice, and evidentiary requirements. Padgett represents mortgage servicers and lenders in judicial foreclosure proceedings across multiple jurisdictions, coordinating foreclosure strategy with litigation and bankruptcy support, when needed, to address borrower challenges while maintaining enforcement continuity and investor timeline considerations.

JURISDICTIONAL SCALE FOR INSTITUTIONAL LENDERS AND SERVICERS

A Thirteen-State Legal Services Footprint

Padgett offers full-service creditors' rights practices with FNMA and FHLMC "no objection" statuses in Florida, Georgia, Tennessee, Arkansas, Texas, Ohio, Indiana, Pennsylvania, Mississippi, Alabama, New Jersey, Kentucky, and Illinois--all unified by our competitive enterprise-wide case management system, compliance, quality control and assurance, and risk teams. Padgett's highly customizable case management system and state-of-the-art technology make our process application seamless and secure across our full operational footprint. Across the Padgett footprint, our foreclosure practices align with investor, insurer, and regulatory requirements, including those of Fannie Mae, Freddie Mac, FHA, VA, USDA, and private investors.