Miami Bankruptcy Group

FORECLOSURE

LOAN MODIFICATION

Contact

Services

Credit Card debts
Medical debts
Personal loan debts
Legal debts
Judgments - Except for fraud or crime
Deficiency judgments on foreclosures or repossessions.
Some IRS Debts - many income tax debts are dischargeable.
Personal Injury Debts - except driving while intoxicated and criminal injury.

Staff

Our staff is knowledgeable & qualified to handle a variety of scenarios while maintaining confidentiality & professionalism.

Bankruptcy stops Foreclosure.

When mortgage payments are missed, the reason is often a loss of income due to illness, loss of employment, or other temporary problem. Filing a Chapter 13 Bankruptcy can provide up to 60 months to "catch up" on missed payments and save your house.

Beware of Foreclosure scams.

One common scam is to offer to buy your house and then rent it back to you. If you sell your house with a "QUIT CLAIM" deed, the mortgage is not satisfied, and the lender may continue with foreclosure.

Hiring a lawyer just makes sense

Your chances of obtaining a substantial loan modification will be greatly improved if the lender has violated the law…but how will you ever know? A lawyer can help you gain negotiating leverage on your behalf by finding violations of the law or capitalizing on provisions of the bankruptcy code.

Chapter 7 Bankruptcy

Also known as a "Fresh Start" or "Straight" bankruptcy. A Chapter 7 Bankruptcy allows a person to eliminate most or all of their debt, while being able to protect most of their assets.

Chapter 13 Bankruptcy

Also known as a "Restructuring" Bankruptcy. A Chapter 13 Bankruptcy allows you to "Catch-Up" on arrears, while also getting current with secured payments such as a home or motor vehicle. Chapter 13 also allows a person to eliminate many unsecured debts and even some second mortgages.

BANKRUPTCY