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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5.0/5.0Great experience from start to finish. The process was smooth and stress-free, and Ms. Connie was amazing throughout—very helpful, professional, and supportive. I truly appreciate all the guidance and would highly recommend this firm.
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5.0/5.0
I'm just finishing up 5 years of bankruptcy, and I honestly don't know how I would've done it without this Group. Everyone was super professional every time I reached out with questions, and they were always there to answer them. I eve...
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5.0/5.0
Starting the process of bankruptcy can seem scary. However, working with Jeff Field & Associates made it very easy. They explained everything so clearly and helped my spouse and I, walk through every step of the process. Definitely recommend!
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5.0/5.0
I highly recommend them the did a great job with my case and made the steps very easy they worked with me every step of the way on completing all my paperwork highly recommended them
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5.0/5.0
A few months ago, I had to file for bankruptcy, and this team made the whole process so smooth. They answered every single question I had and walked me through everything step by step. Honestly, all I had to do was sit back and let them handle it; Th...
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