Kohl & Cook Law Firm

Kohl & Cook Law Firm is a Columbus-area practice specializing in foreclosure defense, consumer protection, and commercial litigation for individuals and small businesses throughout Ohio. The 4.9-star rated firm emphasizes non-bankruptcy solutions and courtroom advocacy, challenging improper lending practices and exploring loan modifications, standing defenses, and alternatives to foreclosure.

About

Kohl & Cook Law Firm is a Columbus-area practice focused on foreclosure defense, consumer protection, and commercial litigation for individuals and small business owners throughout Ohio. Based in Worthington and rated 4.9 stars on Google, the firm takes a specialized approach to helping homeowners facing financial hardship and consumers harmed by unfair or predatory business practices.

The firm's foreclosure defense practice stands apart from typical approaches. Unlike many lawyers who rely primarily on bankruptcy filings to pause foreclosures, Kohl & Cook emphasizes non-bankruptcy solutions whenever possible. The team goes to court, raises federal claims, and pursues all applicable defenses and counterclaims tailored to each client's situation. They advise clients on bankruptcy when truly necessary but avoid steering homeowners into bankruptcy prematurely when other avenues remain available.

Kohl & Cook's foreclosure services are comprehensive. They assist homeowners with mortgage loan modifications by preparing and filing complete loss mitigation packages and negotiating with lenders for solutions that lower monthly payments, reduce principal or interest, or otherwise make homes affordable. The firm challenges improper lending practices through federal actions and RESPA claims, ensuring lenders comply with the Real Estate Settlement Procedures Act and holding them accountable for violations that affected the loan's cost or validity. The attorneys closely examine whether lenders have legal standing to foreclose, whether they possess and can produce the note, and whether the foreclosure falls within applicable time limits. For homeowners who ultimately cannot keep their homes, Kohl & Cook helps negotiate alternatives that avoid foreclosure on credit reports, eviction, deficiency judgments, or both. The firm also defends against homeowners association foreclosures by ensuring HOAs comply with Ohio's Planned Communities Act.

The team includes partners Timothy J. Cook, Sean M. Kohl, and Andy Gerling, along with a roster of associate attorneys and experienced paralegals. The firm takes time to understand each client's circumstances on a personal level and works to protect their rights and ensure fair treatment.

Kohl & Cook serves consumers and businesses in general civil litigation, including breach of contract disputes and construction matters. They invite those facing mortgage trouble—even if a sale date has already been set—to contact the firm promptly to explore options for saving their homes.

Overview compiled from the firm's website