Understanding Your Rights and Options Amid Rising Foreclosure Activity

Foreclosure activity is increasing—but knowing your options can make all the difference. According to ATTOM’s Mid-Year 2025 foreclosure report, foreclosure starts rose 7% in first six months of 2025 and filings across the U.S. climbed 5.8% compared to the same timeframe last year (Message from ATTOM). In Ohio, there were 8,665 foreclosure filings in the first six months of 2025, ranking it ninth amongst states for foreclosure filings (ATTOM).

The Current Landscape

Although national foreclosure numbers remain well below pre-pandemic peaks, the uptick signals economic pressure on many homeowners. In acknowledgment of this trend, Ohio homeowners must understand that:

• Foreclosures are actionable—but not predetermined outcomes. You may have legal defenses to assert.
• Homeowners have rights and a range of possible outcomes, from saving the home to non-retention options.
• Even if a foreclosure proceeds to sale, homeowners may still retain rights to “surplus/excess funds” if the sale price exceeds outstanding debts.

Your Legal Rights, Options, and MPC LAW’s Commitment to Results

Foreclosure doesn’t mean you’re out of options—and in Ohio, the law provides meaningful protections for homeowners. You may have the right to reinstate your loan, pursue a loan modification, challenge improper filings, or even recover surplus funds if your property sells for more than the outstanding debts. Alternatively, if staying in the home is no longer feasible, you may be able to negotiate a short sale, deed in lieu, or otherwise creatively exit on your terms and avoid a deficiency judgment. But asserting these rights requires more than hope, it requires strategy.

At MPC LAW, we focus on helping homeowners understand their legal options. We don’t just advise clients.  We build a plan around your goals, guide you through each legal step, and advocate to preserve your home, protect your equity, or secure the most favorable outcome possible. Our commitment is simple: clear guidance, consistent communication, and results-driven representation. 

Why MPC LAW’s Approach Works

At MPC LAW, we specialize in foreclosure defense with an emphasis on homeowner-centered, cost-effective advocacy:

• Experienced Ohio Professional: Matt Curry has defended foreclosures across the Buckeye State—understanding local rules, court expectations, and key timelines.
• Client-Centered Planning: Every plan is tailored to your goals.
• Transparent Pricing: Our flat-fee structure removes uncertainty and incentives early settlement.
• Unwavering Support and Communication: We keep you informed throughout the entire process via our secure Client Portal, giving you confidence and control.

Take Action—Protect Your Home & Your Future

With foreclosure activity rising nationally and Ohio’s rate now among the highest in the nation, it’s crucial to act early and with legal guidance. Waiting can limit your options and lead to final judgment or lost equity. Contact MPC LAW today for a consultation. We can help you understand your rights, assess all possible strategies, and work toward your definition of success.