Posts Tagged ‘Panama city’

Foreclosure Defense Lawyer Helpline

Written by lisaspitzer on . Posted in Your Debt Relief Lawyer Blog

Foreclosure Defense  Lawyer Helpline

Foreclosure defense, Boca Raton, Bradenton, Cape Coral, Clearwater, Coral Gables, Daytona, Delray Beach, Fort Lauderdale, Fort Myers, Fort Pierce, Fort Walton Beach, Gainesville, Hialeah, Hollywood, Homestead, Jacksonville, Key West, Kissimmee, Lakeland, Largo, Melbourne, Miami Miami Beach, Naples, New Smyrna Beach, Ocala, Orlando, Panama City, Pensacola, Plantation, Pompano Beach, Port Saint Lucie, Palm Beach, St. Petersburg, Sarasota, Tallahassee, Tampa, Tarpon Springs, Titusville, Venice, Vero Beach, West Palm Beach, West Pensacola, Winter Garden, Winter Haven, and Winter Park Foreclosure defense lawyer helping clients  faced with losing their home, We will have a licensed attorney overseeing mitigation services while wholly handling any and all litigation, if necessary.  It is this comprehensive approach that has used to help  many homeowners keep their homes. In Florida, foreclosures are judicial, which means the lender (the plaintiff) must file a lawsuit in state court. The lender initiates the foreclosure by filing a complaint with the court and having it served to the borrower, along with a summons that provides twenty days for the borrower to file an answer. If you do not respond to the court action within the specified amount of time, then the lender can get a default judgment from the court. This means you automatically lose the case and potentially lose your home.  If you file an answer, then the lender cannot obtain a default judgment. Instead, the lender will either file a motion of summary judgment (where the court grants judgment in favor of the lender if there is no dispute as to the important facts of the case), or go to trial. Using a licensed Florida attorney your case will be evaluated to determine what is the best way to attempt to save your home.  Plaintiffs have attorneys on their side.  Choosing to have an attorney fighting for you is an important step in saving your home.  My firm can fight the foreclosure in the courtroom while working on a resolution out of court like a mortgage modification. FORECLOSURE DEFENSE AND MORTGAGE Help FOR STRUGGLING Florida HOME OWNERS Foreclosure Defense Experienced Foreclosure Attorney Given your individual circumstance our foreclosure lawyers may be able to: ​* Stop the foreclosure and sale date * Make your mortgage payments affordable * Restructure all past due payments * Reduce your principle balance Call us or contact us now to speak to an experienced foreclosure defense attorney. Let us review your situation and see if there are options for you. We can help you in the entire state of Florida. HOMEOWNER ASSISTANCE FORM FILL OUT OUR CONTACT FORM  for a free  consultation with a foreclosure attorney We are  not a government sponsored website or program and not approved by your lender. This website is also not a non-profit, state or local government website.  No particular result is guaranteed by engaging with partners in our network. Lenders may not agree to change a consumer’s loan. To access information on government sponsored assistance, please visit There is no guarantee that you may qualify for a loan modification. You will not be asked to transfer or surrender property titles nor will we offer to buy your house at a below-market price. You will not be asked to bypass the lender and make payments directly to the company or other third party. We do not encourage you to avoid contacting your lender, lawyer, credit counselor, or housing counselor.

Florida Foreclosure Defense Helpline | Foreclosure Defense Lawyers

Written by lisaspitzer on . Posted in Your Debt Relief Lawyer Blog

Florida Foreclosure Defense Lawyers for Foreclosure Defense

Short Sales, Renegotiations, Reinstatements, Deeds in Lieu of Foreclosure  

Florida Mortgage Modification Attorneys

A  Florida mortgage modification can help with a: reduction or change in the loan’s interest rate, reduction in the loan’s principal, reduction or elimination of late fees and penalties for non-payment, reduction in your monthly payment, temporarily stop making payments, or extend the time for making payments. Call our foreclosure defense lawyer network for a qualified foreclosure defense because a successful foreclosure defense may prohibit or delay the foreclosure process.  It  may induce a lending institution to negotiate a loan modification that allows you to stay in your home. This is the  goal

Fair Debt Collections Helpline, Fair Debt Collection Lawyers

Written by lisaspitzer on . Posted in Debt Relief Blog, Your Debt Relief Lawyer Blog

In Florida there are certain laws that govern what creditors can and cannot do when they are attempting to collect a debt. This is called the Fair Debt Collections Act. Collectors can use alot of tactics which are actually against the law. If you are a victim of these tactics call our Fair Debt Collection Helpline and speak to a fair debt collections lawyer. A collector cannot: make embarrassing calls to you at work, call your neighbors, Tell you you will go to jail if you do not pay up, tell you they are a government agency, tell you that they will seize, garnish or sell your property, tell  you that you will be arrested or imprisoned; threaten to tell  credit information to any other person; lye about being employed by or from a credit bureau; tell you that you have committed a crime by not paying the debt , act like  they are lawyers, use of a false or made up name; or  refuse to disclose who they are and the purpose of the call. Fair Debt Collection Act Overview  What types of debt collection practices are prohibited under the Fair Debt Collection Practices Act? –Use of threats of violence or harm against the person, property, or reputation –Publishing a list of consumers who refuse to pay their debts or advertise your debt (except to a credit bureau) or give false information about you to anyone –Repeatedly using the telephone to annoy someone or telephone people without identifying themselves –Falsely implying that they are attorneys or government representatives or misrepresent the involvement of an attorney in collecting a debt –Falsely implying that you have committed a crime and will be arrested if you do not pay your debt –Giving a false name when they contact you or falsely represent that they operate or work for a credit bureau –Misrepresenting the amount of your debt or claim they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so If you have been harassed by a collector and they have used these tactics call us to speak to a fair debt collections practices lawyer and learn about your legal rights under the Fair Debt Collections Act. –Indicating that papers being sent to you are legal forms when they are not or indicate that papers being sent to you are not legal forms when they are or send you anything that looks like an official document from a court or government agency when it is no –Claiming that actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take. –Collecting any amount greater than your debt, unless allowed by law –Using obscene or profane language –Depositing a post-dated check prematurely –Taking or threatening to take your property unless this can be done legally –Making you accept collect calls or contacting you by postcard –Calling your employer, neighbors, friends and relatives and revealing your delinquency to them [A delinquency can be revealed to a co-signor.] If you are being harassed for a debt and any of these tactics are being used call our Fair Debt Collections Helpline today and speak to a fair debt collections lawyer. You may be able to make a claim against them under the Fair Debt Collections Act and receive compensation. You have the right to sue the debt collector. If a debt collection agency has violated the the law, the FDCPA gives you the right to sue the debt collector. Our fair debt collection attorneys work on a contingency and when you have one of our debt collection lawyers on your side all contacts must go through him or her. The harassing  debt collection calls will stop.

 In trouble from an online payday loan?  You might not have to repay it

Florida Foreclosure Lawyers, Protect Your Home From Foreclosure

Written by lisaspitzer on . Posted in Florida-Debt-Relief-Updates

Foreclosures are back on the rise in Florida. it is simple; the bank owns your home and you must pay your monthly mortgage payment. When you fall behind the bank takes back your home. In a sense it is on loan to you.

Our attorneys are ready to help you with: Alachua County foreclosures, Baker County foreclosures, Bay County foreclosures, Brevard County foreclosures, Broward County foreclosures, Charlotte County foreclosures, Citrus County foreclosures, Clay County foreclosures, Collier County foreclosures, Columbia County foreclosures, Duval County foreclosures, Escambia County foreclosures, Flagler County foreclosures, Franklin County foreclosures, Gadsden County foreclosures, Gulf County foreclosures, Hendry County foreclosures, Hernando County foreclosures, Highlands County foreclosures, Hillsborough County foreclosures, Indian River County foreclosures, Jackson County foreclosures, Lake County foreclosures, Lee County foreclosures, Leon County foreclosures, Levy County foreclosures, Manatee County foreclosures, Marion County foreclosures, Martin County foreclosures , Miami-Dade County foreclosures, Monroe County foreclosures, Nassau County foreclosures, Okaloosa County foreclosures, Okeechobee County foreclosures, Orange County foreclosures, Osceola County foreclosures, Palm Beach County foreclosures, Pasco County foreclosures,Pinellas County foreclosures ,Polk County foreclosures, Putnam County foreclosures, Saint Johns County foreclosures, Saint Lucie County foreclosures, Santa Rosa County foreclosures, Sarasota County foreclosures, Seminole County foreclosures, Sumter County foreclosures, Volusia County foreclosures, Wakulla County foreclosures, and Walton County foreclosures. Get the help you need and keep your home.

  • Loan modification Help
  • Foreclosure defense help
  • Bankruptcy is ther last resort


Florida Foreclosure on the Rise, Foreclosure Defense Helpline

Written by lisaspitzer on . Posted in Debt Relief Blog

Florida foreclosure is on the rise according to the Sun Sentinel. Highest rates of foreclosure appear to be in South Florida. The South Florida counties include Dade, Broward and Palm Beach and the cities  as far south as the Florida Keys, Homestead, Miamai, Miami Beach, Hollywood, Fort Lauderdale, Boca Raton, Coral Springs, Deerfield Beach, Delray Beach, Boynton Beach, West Palm Beach as well as smaller communities. Foreclosure on the rise in Stuart, Vero Beach, Port St Lucie> Okeechobee, Daytona, Melbourne, Titusville, Jacksonville, Kissimme, Orlando, Ocala and across thru Winterhaven, Tampa, Clearwater, and Ft Myers.

South Florida foreclosures increase in August

By Paul Owers September 13, 2012 11:55 AM

Foreclosures in South Florida and across the state continue to increase following a slowdown last year.

Broward County experienced a 29 percent increase in the number of foreclosure starts in August compared to the same time a year ago, according to the RealtyTrac listing firm said. In Palm Beach County, the number of new cases jumped 35 percent.

RealtyTrac of Irvine, Calif., monitors public records for foreclosure starts, scheduled auctions and bank repossessions.

Florida had the nation’s second-highest foreclosure rate after Illinois, with one in every 328 housing units receiving a notice last month. Foreclosure starts rose 26 percent in the Sunshine State from August 2011.

Lenders temporarily halted many new cases in 2011 after bank employees admitted under oath that they used faulty paperwork to repossess homes. Banks have since resumed those foreclosure filings, five years after the crisis began.

“This is not winding down quite yet,” said Daren Blomquist, a spokesman for RealtyTrac.

The Federal Housing Finance Agency announced this week that San Diego-based Pacifica Companies was the winning bidder on 699 foreclosed homes across Florida. Pacifica made an initial payment of $12.3 million and will share in the ongoing cash flow of the properties.

It was the first bulk sale announced as part of a government program to unload foreclosed properties.

Meanwhile, California research firm CoreLogic on Wednesday said more than 10.8 million homes nationwide are worth less than the mortgages, down from 11.5 million a year ago.

In Palm Beach County, 42 percent of homes are “underwater,” while 44 percent of Broward homes are worth less than what’s owed.

If you are in trouble and fear losing your home call the Foreclosure Defense Helpline today.
7050 W. Palmetto Park Road, Boca Raton, FL 33433
Attorneys who cover Boca Raton, Delray Beach, and Palm Beach County
1401 Broadway, New York, NY 10018
20 N.Orange Ave, Orlando, FL 32801
Attorneys who cover Orlando, Winter Park, Winterhaven, Kissimmee,Ocala,Atlamonte Springs,Deland,Melbourne, Daytona. Orange,Osceola,Seminole,Lake,Volusia, Polk and Brevard Counties
5713 Corporate Way, West Palm Beach, FL
Attorneys who cover: Lake Worth, West Palm Beach, Jupiter, Stuart,Port St Lucie, Okeechobee, Belle Glade, Vero Beach, Palm Bay Palm Beach, Martin, St Lucie and Indian River counties
200 Biscayne Blvd., Miami, FL 33131
Attorneys who cover Miami, Hialeah, Miami Beach and the Florida Keys including all of Dade and Monroe counties
110 E. Broward Blvd., Ft. Lauderdale , FL 33301
Attorneys who cover Hollywood,Fort Lauderdale,Pompano, Deerfield Beach, Coral Springs and all of Broward County
3630 W. Kennedy Blvd., Tampa, FL 33360
Attorneys who cover Tampa, Brandon, Clearwater, St Pete, New Port Richey, Brooksville, Sarasota, Naple, Venice, Bradenton, Fort Myers, Cape Coral and all of Hernanado, Citrus, Pasco, Pinnellas, Hillsboro, Sarasota, Manatee, Lee and Collier counties.
10151 Deerwood Park # 200-250, Jacksonville, FL
Attorneys who cover  Jacksonville, Jacksonville Beach, St. Augustine, Orange Park all of Northeast Florida including Marion Sumter, Flager and Duval counties. Also Attorneys who cover Northwest Florida including: Tallahassee, Pensacola, Panama City and Starke.

Now Is the Time to Refinance, Florida Affordable Refinance Helpline

Written by lisaspitzer on . Posted in Debt Relief Blog

Home Affordable Refinance Programs, Refinances, Purchases,Reverse Mortgages Help is here for you.
What are the refinancing Programs ?

 Home Affordable Refinance Program (HARP)

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.

Florida Mortgage helpline is currently launchng a program to help with mortgage modification and refinances.

 Reverse Mortgages

The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program, which enables you to withdraw some of the equity in your home.  The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements and more.  You can receive additional free information about reverse mortgages in general by contacting the National Council on Aging at (800) 510-0301 or downloading their free booklet, "Use Your Home to Stay at Home," a guide for older homeowners who need help now. It is smart to know more about reverse mortgages, and decide if one is right for you!

1. What is a reverse mortgage?

A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that you built up over years of making mortgage payments can be paid to you.  However, unlike a traditional home equity loan or second mortgage, HECM borrowers do not have to repay the HECM loan until the borrowers no longer use the home as their principal residence or fail to meet the obligations of the mortgage.  You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

2. Can I qualify for FHA's HECM reverse mortgage?

To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287.

3. Can I apply for a HECM even if I did not buy my present house with FHA mortgage insurance?

Yes.  You may apply for a HECM regardless of whether or not you purchased your home with an FHA-insured mortgage.

4. What types of homes are eligible?

To be eligible for the FHA HECM, your home must be a single family home or a 2-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible.

5. What are the differences between a reverse mortgage and a home equity loan?

With a second mortgage, or a home equity line of credit, borrowers must have adequate   income to qualify for the loan, and they make monthly payments on the principal and interest.  A reverse mortgage is different, because it pays you – there are no monthly principal and interest payments.  With a reverse mortgage, you are required to pay real estate taxes, utilities, and hazard and flood insurance premiums.

6. Will we have an estate that we can leave to heirs?

When the home is sold or no longer used as a primary residence, the cash, interest, and other HECM finance charges must be repaid.  All proceeds beyond the amount owed belong to your spouse or estate.  This means any remaining equity can be transferred to heirs.  No debt is passed along to the estate or heirs.

7. How much money can I get from my home?

The amount you may borrower will depend on:

    Age of the youngest borrower
    Current interest rate
    Lesser of appraised value or the HECM FHA mortgage limit of $625,500 or the sales price; and
    Initial Mortgage Insurance Premium–your choices are HECM Standard or HECM SAVER

You can borrow more with the HECM Standard option. In addition, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow.  If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow.  For an estimate of HECM cash benefits, select the online calculator from the HECM Home Page. Many online reverse mortgage calculators can provide you with an estimate of the amount of funds you can borrow.

8. Should I use an estate planning service to find a reverse mortgage lender?

FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA-approved lender.  You can locate a FHA-approved lender by searching online at or by contacting a HECM counselor for a listing.   Services rendered by HECM counselors are free or at a low cost.  To locate a HECM counselor Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you

9. How do I receive my payments?

You can select from five payment plans:

    Tenure- equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
    Term- equal monthly payments for a fixed period of months selected.
    Line of Credit- unscheduled payments or in installments, at times and in an amount of your choosing until the line of credit is exhausted.
    Modified Tenure- combination of line of credit and scheduled monthly payments for as long as you remain in the home.
    Modified Term- combination of line of credit plus monthly payments for a fixed period of months selected by the borrower.

10. What if I change my mind and no longer want the loan after I go to closing?  How do I do this?

By law, you have three calendar days to change your mind and cancel the loan.  This is called a three day right of resciession.  The process of canceling the loan should be explained at loan closing.  Be sure to ask the lender for instructions on this process.  Mortgage lenders differ in the process of canceling a loan.  You should ask for the names of the appropriate people, phone numbers, fax numbers, addresses, or written instructions on whatever process the company has in place.  In most cases, the right of rescission will not be applicable to HECM for purchase transactions.

call the Florida Mortgage helpline now for refinancing, reverse mortgage and purchases in We have Florida mortgage helpline representatives iready to help you for the following Florida cities: Belle Glade, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral,  Clearwater, Coral Gables, Coral Springs,  Daytona Beach, Deerfield Beach, DeLand, Delray Beach ,Fort Lauderdale, Fort Myers, Fort Pierce, Fort Walton Beach, Gainesville, Haines City, Hallandale Beach, Hialeah, Hollywood, Homestead, Immokalee, Jacksonville,  Key West, Kissimmee, Lakeland,  Largo, Melbourne, Merritt Island, Miami, Miami Beach,  Naples,  New Smyrna Beach, Ocala, Orlando, Ormond Beach, Palm Bay, Panama City, Pensacola,  Plant City, Pompano Beach, Port Charlotte, Port Saint Lucie, St Cloud, St. Petersburg, Sarasota, Spring Hill, Starke, Tallahassee, Tampa, Tarpon Springs, Titusville, Venice, Vero Beach, West Palm Beach, Pensacola, Winter Haven, Winter Park,


Foreclosure Defense Helpline Florida, Foreclosure lawyers

Written by lisaspitzer on . Posted in Debt Relief Blog

Foreclosure defense Helpline and  Foreclosure Lawyers.Foreclosure defense lawyers thru-out Florida ready to help you if you are losing your home. A foreclosure defense lawyer can help you fight a bank foreclosure
Foreclosure defense Attorney Network has  a  Foreclosure Helpline for People  losing their home. Foreclosure Defense Helpline can connect you with a Foreclosure lawyer   to help you fight the foreclosure process


PRLog (Press Release) – Feb 29, 2012 – With the country still in economic straights more and more people are facing foreclosure. A loan modification is the first step in preventing foreclosure. If you have missed this crucial step foreclosure defense is your next option. The Foreclosure Defenses and loan Modification Helpline is exactly that. It is a resource for people in fear of losing their home. The line is monitored by a social worker not a lawyer or a law firm intake person. According to the Foreclosure  helpline" a social worker is best equiped to deal with people initially who are undergoing foreclosure  stress". First come s the calming stage then comes the action stage". " Our callers are frightened and many of them never thought this would ever happen to them"' They cannot even think straight and need guidance to the next step which is getting them to a foreclosure defense lawyer". " Many of our callers are actually afraid of lawyers"."they are calling with a notice from their condo Board lawyer, Bank , Lending institution or have come home to a lock box on theor door". They need foreclosure defense help and they need it Fast."

This is a new concept.  Foreclosure Defense Attorney Network has expanded to a series of Networks and Helplines for people. Serious times cause for serious actions. People seem to need help, A Foreclosure  Defense helpline is the sign of the times. The Foreclosure Helpline can be reached at 1 877 522 2123 The Foreclosure defense helpline operates in:

Foreclosure Attorney in Belle Glade, Boca Raton, Bonita Springs, Foreclosure defense Boynton Beach, Bradenton, Cape Coral,  Clearwater, Coral Gables, Coral Springs,  Daytona Beach, Deerfield Beach, DeLand, Delray Beach ,Fort Lauderdale, Fort Myers, Fort Pierce, Fort Walton Beach, Gainesville, Haines City, Hallandale Beach, Hialeah, Hollywood, Homestead, Immokalee, Jacksonville,  Key West, Kissimmee, Lakeland,  Largo, Melbourne, Merritt Island, Miami, Miami Beach,  Naples,  New Smyrna Beach, Ocala, Orlando, Ormond Beach, Palm Bay, Panama City, Pensacola,  Plant City, Pompano Beach, Port Charlotte, Port Saint Lucie, St Cloud, St. Petersburg, Sarasota, Spring Hill, Starke, Tallahassee, Tampa, Tarpon Springs, Titusville, Venice, Vero Beach, West Palm Beach, Pensacola, Winter Haven, Winter Park, Foreclosure defense lawyers ready to help you.

Are We Headed For Another Round Of real Estate Declines? Foreclosures?

Written by lisaspitzer on . Posted in Debt Relief Blog

Homes for the price of a car
By Erika Riggs, Zillow
April 2, 2012

A house for the price of an SUV? That’s plausible, given the dip in housing. But a home for the price of a Ford Fiesta?

Whoa. Now there’s a value-bending proposition.

While most people don’t think of real estate in prices relative to that of a car, there are houses in some parts of the United States that are for sale with listing prices just like what you’d see at an auto dealership.

And we’re not talking about a house priced at the median home value of $150,000, which is akin to the sticker price of an Aston Martin. The homes featured below compare more favorably to standard highway fare: Nissans, Hondas, Fords, etc.

Some of these properties are distressed sales — either foreclosed or in the midst of a short sale — and some need a little renovation, but that’s still a pretty impressive given that they’re all comparable to the price of a new car. Are we ready for another real estate decline and more foreclosures?

Today, more than 6 million homeowners are behind in their mortgages and foreclosures rose in 21 states. Tampa, Florida alone, just had a 64% rise in foreclosures.  In other words, the “Floodgates are opening up on foreclosures, and there’s no way slowing the wave down.” In 2012, we will have more foreclosures processed than the all-time high in 2010. If you need a foreclosure defense lawyer call our Foreclosure defense helpline today.

Debt Relief Attorney Helpline, Debt Consolidation programs

Written by lisaspitzer on . Posted in Debt Relief Blog

Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?
You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.

If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt settlement is yet another option. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.

Debt Relief Attorney Network Debt Settlement Services

Debt settlement is a debt relief strategy for those who can afford to pay something towards their debts, but not the full amount, and for those who want to avoid filing bankruptcy.

Debt Consolidation Programs                                                                                                                                                                                                                   Debt consolidation is a process of replacing multiple debts with an affordable single monthly payment. It helps you lower your interest rates and monthly payments. This in turn assists you get out of debt with ease. Call our debt consolidation department today.

MAKING HOME AFFORDABLE Mortgage Modification Programs

Making Home Affordable (MHA) is the Obama Administration's initiative that helps struggling homeowners get mortgage relief through a variety of programs that aid in mortgage modifications, interest rate reductions, refinancing, deferred payment or transitioning out of your home while avoiding foreclosure. Before you begin, please explore the available programs and learn more about MHA. The more you understand your options, the easier it will be when you speak to a housing expert or your mortgage servicer. Call our mortgage modification department today. 

 Foreclosure defense

                                                                                                                                                                                                   Foreclosure is a specific legal process in which a lender attempts to recover the balance of a loan from a borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan.A Florida homeowner facing foreclosure has options. There are actually a number of ways to effectively prevent foreclosure, and an attorney can help you understand these as they apply to your particular situation.


Loan Modification Helpline, Helping People Losing Their Homes

Written by lisaspitzer on . Posted in Debt Relief Blog

The loan ModIfication helpline is here for you if you are in jeopardy of losing your home. Get A Florida  Loan Modification lawyer right away to find out if you can take the first step to saving your home.
Our loan Modification Helpline  and loan modification lawyers can help you
Avoid Foreclosure with the following options :
• Loan Modification
• Lower payment, defer arrears
• Repayment Plan
• Repay arrears over months
Avoid Losing Your Home • Court reorganization plan
• Short Sale
• Sell home for less than you owe
• Deed In Lieu
• Walk away and owe nothing
• Foreclosure Refinance
• Get A Brand New Mortgage
• Special personalized options
What is a mortgage  loan modification?

 A loan modification, mortgage modification, restructuring, or workout plan, is when a borrower of a mortgage loan works with their lender to change the terms of their mortgage loan.  Usually in an attempt to lower monthly payments. A laon modification lawyer can help with this. This  modification  plan can result in temporary or permanent changes to the mortgage rate, term and monthly payment of the loan. The plan’s goal is to help the borrower reduce their monthly mortgage payments to 31% of their gross income. The goal being  to keep you in your home.

Get a Loan Modification lawyer

  • Lenders are  hard to deal with.  A Loan Modification lawyer can help you get the results you want from your lender and talk the talk that will get results.
  •  A Loan Modification lawyer  will review your case from a lawyers  perspective. They know how to deal with your lender, and will help you prepare your applications. They are familiar with specidic lenders.
  • Loan Modification lawyers get  results. Your lender will take your Loan Modification request more seriously when you have a lawyer on your side.An Attorney uses legal information as leverage when negotiating. A lawyer knows waht to say and when and is more experienced in negotiations
  •   A Loan Modification lawyer can stop the foreclosure proceedings, giving you more time to  get money together while he concentrates on saving your home.


If you are in fear of losing your home contact our loan modification helpline today for a loan modification lawyer.