Life doesn’t always cooperate with our plans, and sometimes it’s easy to fall behind on mortgage payments. However, foreclosure may not be your only option. In one of the most vulnerable moments of your life, you need a compassionate lawyer who will listen to your situation and provide advice that looks out for your best interest. I promise to take the time to listen to your story and provide advice so you are able to put your best foot forward.
You have options! If you are behind on your mortgage payments and worried about foreclosure, filing Chapter 13 bankruptcy may be a good option for you. Chapter 13 will stop the foreclosure process and allow you to catch up on your house payments over a period of time.
Another option we can look into is a loan modification, but keep in mind this process can be very time-intensive. The process for loan modifications can often take several months just for the approval process, and many people don't have months to wait.
You have nothing to lose by speaking to a bankruptcy attorney about your options. If bankruptcy is not the right path for you, I can help you explore other options and work with you to find a solution that best fits your scenario. Visit our FAQ page to read more about common questions my clients have.