Protect your home or business and avoid bankruptcy.
How we Help You Avoid Bankruptcy
Our lawyers fight in court for you to help you avoid bankruptcy. We get deals that others can’t because we are tough, smart, and thorough. The banks know it won’t be easy taking your home. Our top rated foreclosure lawyers keep the pressure up to maximize results.
Our clients want their problems solved and without filing bankruptcy. They might be concerned about their credit, reputation, or want to avoid giving up property through bankruptcy. Sometimes they can’t qualify for bankruptcy due to the asset or income limitations under Chapter 7 and 13. In any of these situations, we work hard to find solutions for our clients so they can avoid bankruptcy, usually by bringing the fight to the bank.
How We Help Our Foreclosure Clients
A good offense is key to getting the best kinds of results. We actively litigate the cases we accept to help our clients. That means discovery, motion practice and depositions, as approved by our clients and as appropriate. We bring new RESPA or FDCPA cases too in federal court against mortgage servicers. That can add to the pressure the banks feel (and they pay our fees for those cases or we waive that bill). We know that the harder we work, the better the deal for you.
Bankruptcy Is Repayment or Discharge, Not Settlement
Bankruptcy is about addressing the debts and assets you have. It's not a loan modification process. If you keep your home under a repayment plan, you must repay your past-due mortgage payments. However, it is rare for our clients to immediately back arrears as part of the deals we get. The arrears usually either are either added to the back of the loan or forgiven. That is unlike Chapter 13 bankruptcy, where all the past-due payments have to be made up as part of a payment plan. Our clients usually get better interest rates and lower payments as part of the deals we secure, too. That is also different thank bankruptcy unless you work separately for it. In bankruptcy, there is no requirement for a bank to give you a loan modification.
We help our clients avoid bankruptcy by fighting the bank or mortgage company. Our lawyers fight until we get a deal done that you are happy with, although there are no guarantees in life when it comes to litigation. There are tremendous benefits of avoiding foreclosure and bankruptcy. You don't have to jump at the first offer your mortgage servicer makes, but that is up to you. We help the overwhelming number of our clients resolve their debts. They save their homes from foreclosure and avoid the need to file bankruptcy.
Bankruptcy is the best option for some people, but it’s an option our clients want to avoid. If you feel the same way, then call us today to see whether we can help you. We solve legal problems for people without bankruptcy. Learn more about Ohio foreclosure defense. If your objective is to stop a sheriff’s sale, then we offer information about stopping foreclosure auctions, too.
Act Now, or Read More About Foreclosure Defense
Read more about how we can help you secure a loan modification or stop the sheriff's sale. We also offer lots of information about preforeclosure, the fears and benefits people experience, and tons of Ohio foreclosure FAQs, and even an Ohio foreclosure timeline.