Avoid Foreclosure with Loan Modification

Avoid Foreclosure with Loan Modification

The Janet Goldman Law Office has the experience and the knowledge to help you decide whether some type of “Loan Modification” is the best way for you avoid foreclosure on your home.
Strip Your Second Mortgage

Strip Your Second Mortgage

You may be eligible to "strip" or eliminate your second mortgage. Read more about the options of a Chapter 13 filing.
Compare Chapters 7 & 13

Compare Chapters 7 & 13

Learn more about the differences between Chapter 7 and Chapter 13 Bankruptcies. These simple questions will help you determine the best direction to clear your debt.

Helping You Get Your Life Back

Are you an individual or a small business-owner who is facing problems with unpaid bills, property foreclosure, or wage garnishments?

Is Bankruptcy the Best Solution for You?

Before you decide to file for bankruptcy, you’ll need to make a thorough review of your financial situation. Start by examining all your assets and your liabilities. Even though the decision to file for bankruptcy can be an emotional one, you’ll need to make a conscious effort to remain completely objective through each step of the process.

Begin by answering the following questions as objectively and honestly as possible:

  • Am I behind on my car payments?
  • Am I behind on my mortgage payments and if so, by how much?
  • Are my creditors calling me or my family members?
  • Am I borrowing from one credit card to payoff another?
  • Am I only making minimal payments on my credit card(s)?
  • Am I being sued for failing to pay a debt?
  • Are my wages being garnished?
  • Is my bank account being seized?
  • Do I have any judgment liens on my real state?

If you’ve answered “yes” to any of these questions, you’re probably a candidate for Chapter 7 bankruptcy.

The decision of bankruptcy can be very stressful. Janet made it simple and painless. (Her administrative assistant, Donna, goes above and beyond.) Very sensitive to a very difficult time in your life!”

Why You Should Contact Bankruptcy Attorney Janet Goldman.

Home foreclosures and debt harassment can be overwhelming and emotional. That is why it’s important in stressful situations like these that you have the guidance of an experienced bankruptcy lawyer. Keeping up with the complexities of bankruptcy laws is a full-time occupation. One that requires knowledge, experience and due diligence.

Here are some reasons filling bankruptcy on your own may create more problems.

  • Bankruptcy courts will dismiss any case that is not properly filed, and you will have to wait 180 days before refilling– and one thing most debtors do not have his a lot of time.
  • If you do not prepare and present your case correctly you may be charged with criminal bankruptcy fraud.
  • An experienced bankruptcy lawyer can show you options you may not have known you had.

Seek Protection Now

Fighting Foreclosure

Since bankruptcy laws were amended in 2005, procedures have become more complex. Without experienced legal help to guide you through the entire process, it’s not at all unusual to have your request for bankruptcy protection denied due to technical errors or omissions.

Once you have been notified that you are in default on a loan or a mortgage on your home, getting legal protection quickly is key. At this early stage, we can help keep you in your home before it is foreclosed on and in many cases, prevent the foreclosure altogether.

Because of our extensive experience helping people with foreclosure and debit problems, we can determine at the outset if filing for bankruptcy is the best option for your particular situation.

Help for Small Businesses and Individuals

Once you have engaged an attorney, all harassing phone calls and mailings from your creditors must stop immediately in adherence to The Fair Debt Collection Practices law. This applies to a variety of debt problems including mortgage foreclosures, wage garnishments, credit card debt and more. That is why if you are being pestered about your debts, your first step should be to call us for your first free consultation so we can help you determine whether filing for Bankruptcy will work for you.

Know Your Rights Under the Fair Debt Collection Protection Act

This law was enacted to prevent creditors from the following types of harassment:

  • Contacting you by phone at inconvenient hours before 9am and after 8pm
  • Contacting your family or friends and disclosing your private financial information
  • Attempting to contact you at your job
  • Undocumented threats of arrest
  • Publishing your name on a bad creditor list
  • Threatening to post false information on your credit report
  • Using abusive or profane language when communicating with you