First and foremost DO NOT BE INTIMIDATED BY YOUR LENDER! We will protect your rights. The Law Firm of Consumer Lawyers of America will represent you in either Foreclosure defense, Debt Relief Services, Loan Restructuring, Bankruptcy or Short Sales. The most important element of what we attempt to do is avoiding Foreclosure, which may be accomplished in a number of ways; Foreclosure Defense, Short Sale, Bankruptcy or Loan restructuring. In the event you do not desire to keep your home we develop an exit strategy that minimizes or eliminates the credit, legal, and financial obligation that comes with foreclosure. We will do whatever possible to protect our clients.
If you are delinquent in mortgage loan payments to the lender, have been served with a notice of foreclosure letter or have received a mortgage foreclosure complaint, you have a very short time to respond. In many cases, a homeowner and borrower may begin to lose precious legal rights in as little as twenty (20) days. Any delay may make the situation you are in worse, and if a borrower or homeowner fails to do anything at all, the situation may become the worst case scenario possible. Florida's mortgage foreclosure process will absolutely have serious, long lasting ramifications that you may have to deal with in the future, so it is absolutely in your best interests to participate now while it is occurring. Your decision to participate now may preserve, protect and safeguard valuable legal rights affecting your future income, credit worthiness and income tax consequences.
A business or an individual can declare bankruptcy once they have ascertained that it has become impossible to pay off one's creditors. It can give you a chance to start over from a financial point of view, as most of debts are relieved after bankruptcy as been filed.
Chapter 7, or liquidation bankruptcy, means that your "estate" – i.e., your assets – is sold in order to pay off your creditors. A reorganization bankruptcy can also involve the selling of assets, but more often than not you can retain a majority of your assets while your creditors' needs are assessed.
Reorganization bankruptcies can be filed under the following guidelines:
Chapter 11 – businesses and individuals with many assets
Chapter 13 – individuals with steady income
Contact us today to learn more about your options under the current bankruptcy laws. We're here to help.
If you've been struggling with mortgage payments, you are not alone. In today's economy many are having a hard time making ends meet, and paying a high monthly mortgage doesn't help.
A Loan modification may help you to renegotiate your monthly payments to the bank and modify your payment structure to make it more affordable. But if you're considering renegotiating you'll need a qualified loan modification Attorney to help you through the process. Our law firm is fortunate in having a prior Freddie Mac specialist on staff to assist in the negotiation process with your lender.
Negotiation with banks can often be a haranguing and difficult process. That's why it helps to have a qualified loan modification attorney alongside you every step of the way. We've helped countless homeowners negotiate with banks and get loan modification help they need.
Consumer Lawyers of America has the tools and experience to negotiate a possible loan restructuring of your mortgage with your lender. We understand what's at stake for you and your family and will work tirelessly on your behalf.
As short sale occurs when the property is sold for less than what is owed on the mortgage. Many times the lender will agree to a short sale rather then foreclosing on the property. The law Firm can offer you many varied types of loss mitigation, with or without Foreclosure defense. Many times clients will seek assistance with the Short sale from all the wrong places not realizing the crippling effects of an incomplete short sale that never occurs. We normally say the purchase of your home is the single biggest decision you will make in your life time, unfortunately in today’s environment your exit strategy will absolutely be an important decision that must be made with an understanding of your personal situation. A poorly executed Short Sale can have devastating effects for many years into the future. The Law Firm of Consumer lawyers of America has proven experience in this field.
It's a question we get all the time, so I thought it was appropriate if we tackled the question head on. When faced with a possible Foreclosure our clients always ask; should I file For Bankruptcy, just walk away or perfom a short sale?
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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. See our Attorneys page about our qualifications and experience. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
DISCLAIMER: Legal information is not the same as legal advice! The information on the Consumer Lawyers of America Web Site is provided with the understanding that the authors and publishers are not herein engaged in rendering legal advice. We may offer our opinion on; Loan Modifications, short sales, deed in lieu, reinstatement of loan or general pre-foreclosure information and Bankruptcy services. As such, the information presented here should not be used as a substitute for consultation with a professional legal or other competent adviser. While we have made every attempt to ensure that the information contained on this Web Site has been obtained from reliable sources, we are not responsible for any errors or omissions, or for the results obtained from the use of this information.