Foreclosure Defense: Relief From Mortgage Debt

Are you falling behind on your home payments? Is the bank threatening foreclosure? When you are financially struggling and are facing foreclosure, it can be a very confusing and difficult time.

People often face foreclosure because of factors beyond their control. Whether you are struggling financially because of illness, death in the family, underemployment, divorce, short- or long-term hardships, let our attorneys guide you through your mortgage problems.

Instead of staying in the dark and fearing the worst, we urge you to contact us today to discuss your options. Not only do our lawyers have years of experience in foreclosure defense, but we also provide the compassion and comfort a person needs through difficult financial times. Let us walk you through every step of the process to develop a strategy that will let you keep your family home and gain back your financial stability.

Remote Assistance – Working With A Lawyer You Can Trust

Do not let distance stop you from finding a financial solution. Our lawyers assist clients all over the country and internationally, with your with Connecticut property. We can work remotely via phone, email, fax and Skype/What’s App. Contact our Southbury office today to schedule a free consultation!

Personalized, Compassionate Legal Service

We can help assess the best options for you and your family – these may include:

• Foreclosure
• Mediation
• Loan modifications
• Chapter 13 bankruptcy
• Forbearance
• Reinstatement
• A short sale
• Deed in lieu of foreclosure
• Stipulated

Mediation

By law, Connecticut provides for mediation under certain circumstances. Mediation is a great way to temporarily stop the foreclosure to try to come to an agreement that will let you keep your home. Foreclosure mediation includes court-ordered sessions in which you and your lawyer will meet with the court mediator and the bank’s attorney. Put an attorney you trust on your side to guide you through the process and to explain your options.

If your lender has filed for foreclosure, we can help you evaluate all of your potential options and to make sure you reviewed properly for all available programs. We also will ensure your income and expenses are captured correctly in order to have the best chance of obtaining a loan modification.

Loan Modifications

Creditors often understand that job loss, underemployment, sudden medical bills and other issues can cause honest people to fall behind on their payments. However, applying for a modification is a daunting task. On top of the endless paperwork, a bank will not consider an application if it is poorly put together.

Get it right the first time by allowing our team to carefully review and take care of the details associated with your application process. We have the right skills and experience to put together a thorough, comprehensive and complete application that will present a strong case for your request to modify your terms on the mortgage. It can also be much more difficult for us to correct errors if you already submitted paperwork to your lender yourself, which is why early representation is best.

Chapter 13

Chapter 13 bankruptcy may be a powerful tool to prevent foreclosure, stop creditor harassment and find a lifeline in a sea of debt. If you are struggling to pay your bills on top of your mortgage, Chapter 13 may provide you with the relief you need and help put an end to your foreclosure proceedings. Chapter 13 allows you to pay back some your debt through a court-approved plan over a three- to five-year period. For more information on bankruptcy and Chapter 13, click here.

Short Sale

A short sale, simply put, is when the bank allows you to sell your home for less than what you owe on your mortgage. When considering this option, it is important to seek the advice of an attorney. For more information on short sales, click here.

Do Not Wait To Talk With A Lawyer ∙ Contact Us Today

The sooner you call us, the better. Even if you are just getting behind on your payments, we encourage you to call us as soon as possible to discuss your options. Call 203-583-8668 or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.