A Tampa Attorney to Help You Stop Foreclosure
Are you at risk of losing your home? Filing for bankruptcy may help you stop the foreclosure process today. Whether you just received a notice from the bank or the foreclosure sale is scheduled for next week, an experienced lawyer can help you take action and halt the foreclosure process. At the Riverview Law Office of Alan C. Ewbank, we provide individuals, families, and businesses throughout the greater Tampa area with foreclosure-related services.
An Experienced and Dedicated Consumer Protection Lawyer.
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As soon as you file for bankruptcy, you will receive an automatic stay, which puts an immediate stop to nearly all foreclosure actions. Whether you have been the victim of predatory lending or you find yourself struggling with rising interest rates, bankruptcy gives you some breathing space and may allow you to save your home.
Your total amount of late mortgage payments is called your "arrears." In a Chapter 13 bankruptcy, you may be able to stop the foreclosure process and pay back the arrears on your home mortgage over five years. This particular solution is good for individuals who have been unable to make their last few mortgage payments due to temporary loss of employment or income.
Saving Your Home Through Home Loan Modification and Mediation
If you are looking for a way to stop foreclosure and save your home, bankruptcy is not your only option. Our job is to help you find the best way to save your home. Home loan modification may allow you to work with your creditors to come up with an affordable monthly mortgage payment. The Home Affordable Modification Plan (HAMP) may, in some cases, allow you to reduce your total monthly payment for your home to 31% of your gross income. However, in our experience, lenders have been reluctant to participate in the HAMP program, and, even when they do so, they frequently make mistakes, lose important documents, or deny consumers permanent modifications.
Other routes for home loan modification may be available to you. The Florida Supreme Court recently ordered that all foreclosures of homestead property are to be referred to mediation, unless the homeowner opts out of it. The mortgage company is required to send a representative with authority to modify the mortgage to this mediation. We see this mediation as a chance to work directly with lenders and their attorneys to make your mortgage affordable. We will represent you at this mediation and help you understand the complex details of modern mortgages and securitized lending.
Contact Us
You want to know how you can keep your home. From our offices in Riverview, we can help you explore your full range of options and put an end to foreclosure. We have helped thousands of Florida consumers get the debt relief they deserve, and we are ready to help you as well. Contact us today to schedule a free initial consultation with absolutely no obligation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
