Life is complicated and full of challenges.  At various times in life, through no fault of your own, fall behind on your mortgage payments.

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You have a variety of options which can help.

 

Banks have some flexibility if you've fallen behind.    Foreclosures are lengthy, expensive and risky for a bank.  They're in the business of making money, not selling property.  

 

If you haven't already, give them a call.  They may work with you to resolve your matter directly.  If that didn't work, let us help. 

 

After attempts to modify a loan have failed, perhaps ending a foreclosure or eliminating late payments with a Chapter 13 bankruptcy may be the right solution for you.  In a Chapter-13 bankruptcy, your late payments can be paid back, interest free, over a three to five year period.  If you have significant equity in your home that you may lose in a foreclosure, we can preserve that house equity even if you can't or don't want to make monthly Chapter - 13 payments.  Give us a call and let's find a solution for you.

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Also, in a Chapter 13, the court does have a court mediated program to apply for a loan modification through the court.  This loan modification program is new as of 2022 and we can walk you through it.  See more details here.