The answer to your question is an emphatic YES. While the prospect of losing your home can be overwhelming, competent, qualified Athens bankruptcy lawyers with experience in Georgia foreclosures can help you understand your options.
The first option you have when you receive a foreclosure notice is to contact your lender directly and see what you can do to get back on track. Your lender may work with you especially if you have lost your job or are enduring another type of financial hardship.
If that does not work, your next option would be to see if you qualify for a loan modification. A loan modification is a written agreement between you and your lender to modify the original terms of your mortgage. The government also has a number of programs to help distressed homeowners facing foreclosure including the Home Affordable Modification Program (HAMP). In many cases, your lender will help you identify which program is right for you, but in other cases you may need the assistance of a third party to work out a loan modification.
If those options do not work, or if your overall situation warrants it, you can also file for bankruptcy. Chapter 13 bankruptcy in particular has the dual benefits of allowing you to prevent default on your mortgage and potentially eliminating second mortgage lien debt.
While it may seem that the world is crumbling around you when you receive a foreclosure notice, do not despair. Marietta bankruptcy attorneys with experience in Georgia foreclosures can help you evaluate your options and determine how to move forward with your life.
Please call Jeff Field and Associates at 404-381-1278 or contact us online to schedule your appointment. We are ready to provide you with the help you need today.
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5.0/5.0Chris and Laura have been amazing! The process seamless! All of my questions and needs were addressed! I highly recommend this office for your BK needs!
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5.0/5.0
This is the best Bankruptcy Lawyers ever They treat you with respect and do not judge you for the mistakes you made.Mr.Sleeper and MS.Brown are the best they answered every question I had and if I couldn't reach them they always responded to my voice...
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5.0/5.0
Jeff Fields and Laura Everett were wonderful! It was hard but they were so helpful and with me every step of the way. They answered every question and were very accessible. I hope noone has to experience this road, but if you do, try Jeff Field & Ass...
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5.0/5.0
I had my concerns about filing initially, but Jeff walked me through the process and with his calm demeanor, made this process not at all as daunting as I initially thought it would become. The process flowed effortlessly and Cassie (a BIG shout out ...
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5.0/5.0
Due to medical expenses and serious physical problems I had to file bankruptcy. I was nervous and really depressed about the whole situation. I called Jeff Field & Associates and felt at peace after talking to a lawyer. I decided to go with them and ...
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