Your home is your most important asset, and the thought of losing it can keep you up at night. If you are behind on your mortgage payments, what you do next can make the difference between saving your home and losing it to foreclosure.
At Marrero, Chamizo, Marcer Law LP in Coral Gables, our lawyers are here to help you stay in your home. We offer a free initial consultation to discuss your mortgage debt problem and help you find a solution. We are a bilingual law firm serving homeowners in the Miami-Dade area, Broward County and the Florida Keys.
Defending You From Home Foreclosure
Once you get behind on your payments, your mortgage company will become your adversary. It won't look for ways to help you keep your home. Our attorneys will.
There are many solutions to mortgage debt problems. One may be right for you. The following are examples of ways to stop a foreclosure:
- Mortgage modification: By modifying your mortgage under the federal government's Making Home Affordable program, you may be able to reduce your payments.
- Filing bankruptcy: Filing bankruptcy can stop the foreclosure process and give you time to negotiate a modification. By discharging credit card and other types of debt, you will have more money left over for house payments. You may also be able to discharge a second mortgage.
- Lease buybacks: In a lease buyback, a nonprofit company buys your home and leases it back to you. Later on, you can buy your home back. It's important to be represented by a lawyer, as some companies offering lease buybacks are not reputable.
Act Now To Stop Foreclosure: The farther behind you get on your mortgage payments, the harder it is to save your home. Once you receive foreclosure papers, you have only 20 days to respond. If you don't, you can lose your property.
For More Information About Ways To Prevent A Home Foreclosure
Before you get further behind on your mortgage payments, call 305-704-8566 for a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.