Can I Avoid Foreclosure and Save My Home?
New Jersey, like every state in the country, is facing a wave of home foreclosures. People are falling behind on their mortgage payments as a result of the economic downturn. People lose jobs, face medical emergencies or fall into other circumstances that make them unable to meet their financial obligations.
For every homeowner, one of the most frightening and important questions during bad financial times is, "Can I save my home?" A house is probably one of your biggest investments and the idea of losing it to foreclosure or bankruptcy can be truly terrifying.
Law offices of Generoso Squitieri · Bergen County, New Jersey
Help with Mortgage Trouble · Mortgage Workouts · Chapter 13 Bankruptcy
(201) 282-5515 · Toll-Free (866) 430-5528 · E-mail
If your income is no longer enough to meet what you owe every month, and you worry that you might start falling behind on your mortgage payments — the time to talk to a lawyer is NOW. Do not wait until you have already fallen behind. If the question keeping you up at night is, "How can I save my home?" please contact our offices today to get straightforward and knowledgeable advice about ways to address your financial difficulties.
We Have Answers to The Burning Question:
How Can I Save My Home?
Our experienced attorneys have years of experience guiding clients through their darkest financial days. You will find us to be nonjudgmental, respectful and 100 percent dedicated to finding the best possible solution to your financial dilemma. We will educate you and help you make the best choice among your possible options, which may include:
- A loan workout: If your financial situation is repairable, we may be able to help you negotiate a deal with your mortgage company.
- Chapter 13 bankruptcy: Chapter 13 is more a formal court-sanctioned method of restructuring debt, rather than the kind of bankruptcy that dissolves your debt. It is also a way to regain control of your finances and your monthly payments, and it may allow you to keep your house instead of losing it to foreclosure or a sheriff's sale.
- Chapter 7 bankruptcy: In some cases, it may make sense for you to walk away from your investment in your house — for example, if your mortgage payoff is higher than the value of the home, so that you would be unable to pay off the mortgage even in the best possible housing market. After reviewing all the options, Chapter 7 bankruptcy may be your best option, if you qualify. Chapter 7 dissolves your debt, including mortgages, credit card debt and medical bills.
Do not Delay — Get Straightforward Advice Today
At the Law offices of Generoso Squitieri, we understand that the hardest step in dealing with a financial crisis is often the first one. We strongly encourage you to pick up the phone and contact us for an initial consultation. We will discuss your situation and start to explore your various options.
Call (201) 282-5515 or toll-free at (866) 430-5528
Send an e-mail
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.