Can You Save Your Home?
Solutions for Mortgage Relief in South Massachusetts
I am a bankruptcy lawyer, as well as a licensed broker and real estate agent. As much as I have enjoyed helping people buy homes, it's even more rewarding to help people keep their homes.
If you are in danger of losing your house to foreclosure, or struggling financially because of a mortgage you can't afford, I may be able to help. In a free initial consultation, I'll walk you through your mortgage relief alternatives.
You Have Options
The Law Office of Doug Surprenant in Holbrook, Massachusetts has helped homeowners in Norfolk, Plymouth and Bristol counties stop foreclosure and get mortgage relief. Call me today at 888-840-3516.
Mortgage Relief Through Bankruptcy
Chapter 13 bankruptcy is one way to stay in your home and get back on solid financial footing. Filing for bankruptcy triggers an automatic stay to halt foreclosure, at least temporarily.
- You continue making the current house payments.
- Your mortgage arrears (missed payments) are rolled into your Chapter 13 repayment plan and paid back over the next few years.
- A second mortgage could possibly be eliminated. This is perhaps the greatest mortgage relief of all.
Loan Modifications
Your current mortgage company may modify your loan to lower your payments or wrap in the arrears. I can help you decide what to do, including filing for bankruptcy before, during or a modification or doing a short sale.
Short Sale — Know When to Hold 'Em, and When to Fold 'Em
Are you "upside down" or "underwater" on your mortgage, owing more than your home is worth on the current market? If you can't afford the house payments and are afraid that your lender will foreclose and try to come after you for the balance.
In a short sale, the lender or mortgage company agrees to accept the best price you can get and forgive the difference of what you owe on the loan. You will walk away without the mortgage debt and without the black mark of foreclosure on your credit. I can negotiate with the lender and work with you to sell your home.
The Sooner You Contact an Attorney, the Better
If foreclosure is coming, you need to beat that train to the station through bankruptcy, a loan workout or short sale. Contact me today for a 30-minute free consultation, including evenings or weekends by appointment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
