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The threat of foreclosure is one of the greatest fears of a homeowner with mortgage troubles. Fear of losing your home can derail your sense of security. Exploring debt relief options will allow you take control of the situation before it is too late.

Your current mortgage problems may have come about for one of these common reasons:

  • You have had a decrease in income because of a layoff, a business downturn or extended time off work due to a medical crisis.
  • Your income has not been able to keep pace with the rising cost of living or accumulation of other types of debt, such as credit card balances and medical debt. Other financial obligations put pressure on your ability to make your mortgage payments each month.
  • Your mortgage contains high-risk features such as adjustable interest rates, meaning that your mortgage payment has dramatically increased since your home purchase.

Once your mortgage falls into arrearage going back more than a month or two, you may find yourself in crisis. You need personalized advice as soon as possible regarding your best options for preventing foreclosure. The best way forward in your case may involve:

  • Loan modification, if available and applicable for your circumstances
  • Direct negotiations with your mortgage lender to obtain a legally binding agreement allowing you to catch up with mortgage payments reasonably
  • Legal challenges to the lender with the help of a foreclosure defense lawyer
  • A decision to allow foreclosure to take its course, with legal advice and a plan to manage this process with the least amount of disruption and stress

Chapter 13 bankruptcy offers many homeowners an opportunity to keep their homes while repaying back mortgage payments with the least amount of worry. Filing bankruptcy can immediately put a stop to foreclosure.

Our Ohio Law Firm Facilitates Foreclosure Defense Strategies | Contact Us Today

If you’re having difficulty paying your mortgage or facing foreclosure notices on your property, contact one of our offices in Columbus, Dayton or Cincinnati by email or by calling 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati). Request a free consultation at your earliest convenience. Even if a sheriff sale is quickly approaching, our attorneys can work immediately to stop the sheriff sale and get a real solution underway immediately.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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