Avoiding Foreclosure
Have you fallen behind on your mortgage payments? Have you already been served with a foreclosure notice? Since a foreclosure will have a devastating impact on your credit, it is critical that you take immediate action. In this situation, an experienced lawyer can look out for you and your family, helping you avoid foreclosure.
At Borras & Latino, P.A., we will quickly assess your situation and offer legal assistance with the aim of delaying or eliminating the threat of foreclosure. Call 239-935-5712 or 888-724-0544 to arrange a free consultation today.
Exploring Options to Prevent Foreclosure
As your Fort Myers foreclosure defense attorneys, we will initially investigate to see if there is any way to get the petition dismissed. If the mortgage lender violated the Truth in Lending or Fair Debt Collection Practices Act or is unable to produce documentation indicating that it holds your mortgage, foreclosure proceedings may be delayed or entirely stopped.
We will also explore other foreclosure prevention options, including:
- Mortgage loan modification — Our lawyers will negotiate with your lender, seeking to lower your monthly payment, reduce the interest rate and extend the term of the loan.
- Short sale — If you prefer to walk away from your house, we can help negotiate a short sale for you.
- Bankruptcy — When you file Chapter 7 or Chapter 13 bankruptcy, all foreclosure actions stop. This gives you time to catch your breath. In Chapter 13 bankruptcy, any missed payments are considered unsecured debt and are included in your monthly repayment amount.
Our goal is to find a solution that works for you and your family. We will take the time to learn about your objectives and find an option that suits your needs.
Florida Short Sale
A short sale involves selling your house at a lower price than what you owe a lender. However, unless you negotiate with your lender, you may be responsible for paying the difference between what you owe and what the bank receives from the sale. Our attorneys can represent you in a short sale, negotiating with the bank to prevent you from getting a deficiency judgment.
Hablamos Español · Payment Plans Available · Credit Cards Accepted
If you are facing foreclosure, time is not on your side. Contact our firm to learn about your options and get legal counsel targeted to help your family.
Our office is located in a historic home located near the Butterfly Estates, approximately a half mile from the Federal and State courthouses in Fort Myers. We are available to clients seven days a week by appointment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
