If you have missed mortgage payments, you can potentially lose your home when the bank forecloses on your property. The foreclosure process is complicated and involved legal proceeding. The bank will have a foreclosure lawyer representing it and you need to have an attorney working for you. I can help you take appropriate steps at every point of the foreclosure process to allow you to keep your home.
I can represent you in the state court legal proceedings, to make sure the bank is actually entitled to foreclosure on your home. I can also help you prepare and submit a loan modification application to resolve the situation and have a more manageable monthly payment.
I can help you file a Chapter 13 bankruptcy. A Chapter 13 bankruptcy filing will stop the foreclosure process and allow you up to 5 years to get caught up your missed mortgage payments. While the bankruptcy can be filed as late as the day before your house is sold at foreclosure auction, it important that you contact me immediately to see what I can do to help you. Every month you wait to try and fix the problem it becomes progressively more expensive to correct, as the bank will continue to charge you fees and interest. The sooner you contact me the more options you will have and the less it will cost to fix the issue.
Please contact me so I can provide you with the best option for keeping your home.