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FORECLOSURE / BANKRUPTCY - THERE MAY BE A BETTER OPTION THAN LOAN MODIFICATION

Many homeowners have found themselves in the uncomfortable position of attempting a loan modification at the same time their bank has begun the foreclosure process.  In these situations, homeowners are often told that their loan modification is “pending,” only to later be told that their loan modification is denied because the bank has foreclosed on their home.  These devastating circumstances add insult to injury in cases where the value of the home is less than what is owed on the first mortgage.  The situation is worse when the homeowner is also faced with a second mortgage or home equity line of credit monthly payment.  The Bankruptcy Code may provide relief in such situations.  Homeowners who qualify for a Chapter 13 Bankruptcy may be able to save their home, take as much as 5 years to pay back the delinquency on their first mortgage, and eliminate all or most of the debt for second mortgages and home equity lines of credit.  Please contact the Bruning & Associates attorneys and professional staff for more information.

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WE ARE A DEBT RELIEF AGENCY

WE MAY BE ABLE TO HELP YOU OBTAIN DEBT RELIEF THROUGH BANKRUPTCY UNDER THE BANKRUPTCY CODE