:: Henry Portner - Attorney al Law

	Foreclosure Defense
	- About Foreclosure
	- Lost Note
	- Predatory Lending
	- Predatory Borrowing
	- Underlying Issues
	- Time Frames
	- FAQ’s
	Bankruptcy Services
	- Bankruptcy Law
	- Chapter 11 Bankruptcy
	- Chapter 13 Bankruptcy
	- Chapter 7 Bankruptcy
	- Foreclosure Consulting
	- Debt Relief
	Loan Modifications
	Short Sale
	- How the process works
	- Benefits of a Short Sale
	- Sale of property prior to Short Sale
	- Required Documents
	- Magic Bullet
	- The next step
	- The new exit strategy
	Additional Service
	- Reinstatement
	- Repayment Plan
	- Loan Forbearance
	- Deed-in-lieu of Foreclosure

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What we can do for you?

First and foremost we protect your rights. We represent you in either the Foreclosure defense, Loan Restructuring, Bankruptcy or Short Sale. We negotiate with your lender and attempt to get you into a mortgage payment you can comfortably afford without having to refinance. We represent you to make sure you're getting the terms that meet your needs. In the event you can't afford 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 prevent the foreclosure.

Foreclosure Defense

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.

Bankruptcy

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

Loan Modification

We have a H.U.D. certified loan modification specialist on staff to assist you!

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.

Loan modification can 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 H.U.D. certified loan 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.

Florida Bankruptcy Lawyers, P.A. has the tools and experience to restructure your mortgage with your lender. We understand what's at stake for you and your family and will work tirelessly on your behalf.

Short Sale

Mortgage Forgiveness Debt Relief Act

December 20th 2007 President Bush signed the bill ensuring that any debt forgiven on a mortgage secured for a principal residence will not be taxed. This important legislation is one more step in helping homeowners through the fallout of the sub-prime lending boom. Realtors have been advocating such a change to the IRS tax code for nearly 10 years and we are proud of this recent victory.

Short Sales

By: Alan Palange
(Executive Director)
Realty Network of America, LLC specializes in securing a buyer for the property that faces foreclosure. We have teamed up with MMB & Associates which will attempt to purchase your property from the bank. As we are not Foreclosure consolers, we are determined and often successful in the prevention of foreclosure and securing an arrangement with your banking institution. We have proven experience in this field.

FREE CONSULTATION

To request a FREE CONSULTATION
please call us at 866-529-3476
or complete the form below

A Must Watch!

Don’t Let This Happen to You!

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Bankruptcy One on One

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 .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.