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Coconut Creek Foreclosure Defense Attorney

Unexpected events happen, and it’s not uncommon to accidentally fall behind on your mortgage by a month or two. If you do, you may receive a notice of default from your mortgage lender. In severe cases, you will receive a notice of foreclosure in the mail. However, it’s not necessarily too late to save your home.

At the Law Offices of Barry S. Mittelberg, P.A., we understand how frustrating and emotionally overwhelming this can be. Our Coconut Creek foreclosure defense attorneys can help enact a course of action that will help prevent foreclosure and allow you to save your home. In the event that keeping your home is not a viable option, we can help you delay the foreclosure to enable you to move out of the home on your own terms rather than letting the bank force you out.

Bankruptcy Will Help Stop Foreclosure

If the bank is ready to foreclose on your home, filing for bankruptcy can help with an automatic stay that will keep creditors and other bill collectors from harassing you about any outstanding debts. This even includes banks and mortgage lenders, and prevents them from either starting on or moving forward with a foreclosure process.

Depending on what type of bankruptcy you file, the process will vary some. For example, with a Chapter 7 bankruptcy, you can discharge enough unsecured debts that will allow you to catch up on your mortgage payments so you can afford your mortgage again going forward. With a Chapter 13 filing, you could choose to roll those missed payments into the wage earner’s plan. This will allow you to make up those payments during a three- or five-year period and bring your mortgage current again.

Non-Bankruptcy Options to Save Your Home

If bankruptcy is not the best option, there are other ways you can stop the foreclosure of your home. One of these is a loan modification, or help work out something with your lender that will result in a lower interest rate and outstanding principal.

Don’t let your home go without a fight. There are defenses you can use to fight a wrongful foreclosure. Some lenders use predatory lending tactics or fail to provide disclosures that were required when the loan was drafted.

In the end, if you still decide keeping the house is not a viable option or just doesn’t make financial sense, you still have options. Your attorney can help negotiate a short sale or other solution that will turn the house over to the bank without you being held liable for the deficiency when the house is sold. Your Coconut Creek foreclosure defense attorney will go over all your potential options and discuss what the best course of action is.

Contact Our Skilled Foreclosure Defense Attorneys Today

Let the Law Offices of Barry S. Mittelberg, P.A. help save your home from foreclosure. Contact our office today to schedule a free initial consultation.

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