Mortgage Problems Cause Florida Bankruptcies
For many individuals and families in overwhelming debt, the thought that keeps them up at night is losing their home. Home foreclosure is a very real possibility. An experienced bankruptcy attorney can often save your home either through bankruptcy or other means.
Wendy DePaul is a Tampa mortgage bankruptcy lawyer and CPA. At Cohen & DePaul, we will answer your questions and work with you to save your home through bankruptcy or other means.
Everyone's situation is different. To discuss your situation, contact Cohen & DePaul, or call 813-915-6478 or 866-968-1924 for a free initial consultation.
Florida Mortgage Modification Attorney
The services our law firm can provide to you depend on where you are in the process. Do you have an existing repayment plan through a chapter 11 bankruptcy? Are you considering a chapter 7 bankruptcy? Is your mortgage your only major debt on which you are behind? Each of these situations will suggest different options for debt relief.
Consider the scenarios below with which we can provide help:
- I have an existing chapter 11 bankruptcy, but I'm falling behind on my mortgage payments. Depending on your circumstances and repayment history, it is sometimes possible to have your repayment plan modified.
- I'd like to modify my mortgage interest rate during bankruptcy. The bankruptcy court does not do loan modifications, but it is possible to negotiate directly with your mortgage lender. We can help.
- I am considering a chapter 13 bankruptcy but my mortgage is upside down. If you have a second mortgage on your home and your primary mortgage is less than the home's value, you may be able to strip your second mortgage during a bankruptcy.
- I'd like to keep my homestead and still file chapter 7 bankruptcy. You can do that as long as you are current on your payments when you file the case, or if you are able to get a loan modification from your mortgage lender. There are specific conditions that must be met and we can help you make a decision that is right for you.
- My home is fully paid for, and I'd like to keep my homestead when I file chapter 7 bankruptcy. You may be able to do that, depending on how long you have owned your home. We would be happy to explain to you how it works.
When Experience Matters — Contact Cohen & DePaul
We provide you with the personal attention and care you deserve and always make sure you understand your rights and options. Although our main law office is in Tampa, we also serve clients from satellite offices in Lakeland and St. Petersburg. For an experienced mortgage and bankruptcy attorney, please call 866-968-1924, or contact our law office to schedule a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
