Foreclosure can be very frightening and frustrating. An experienced attorney can help eliminate some of this stress by strategically developing a plan that caters to your circumstances . Now is the time to take control and find out what options may be available to you.

The following programs may be available to you:

Loan Modification

Under the government’s HAMP program your mortgage interest rate may be lowered to as little as 2%. Additionally, you may be eligible for a principal reduction. A finalized Loan Modification allows you to avoid foreclosure and save your home.

Short Sale

When your home is worth less than the amount owed on your mortgage, the lender may agree to allow the sale of your home to a third party. Strict negotiations must be carried out with your lender in order to ensure that you are not held financially liable for the difference between what you owe and how much the home is sold for. A completed short sale avoids foreclosure and has less of an impact on your credit.


If you do not have an interest in trying to keep the the home or doing a short sale, but do not want a foreclosure, your lender may agree to allow you to surrender hte property back to it in lieu of foreclosure.

Foreclosure Defense

A foreclosure action is a lawsuit brought by the lender against the homeowner. Since a foreclosure action may result in a judgment against you, it is important to hire a skilled attorney to evaluate whether or not the lender has violated foreclosure requirements. Hiring an attorney to defend you against foreclosure may provide you additional time in the home.

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