Loan Modifications ◊ Chapter 7 and Chapter 13 Bankruptcy Filings
If you are struggling financially and have fallen behind on your mortgage, or if you are already involved in home mortgage foreclosure proceedings, you want an experienced lawyer to help you identify your options. There are ways that you can either suspend or stop foreclosure.
At the office of attorney David M. Benson, in Cleveland, we protect the rights of homeowner across northeast Ohio who face home mortgage foreclosure actions. We built our practice on a commitment to personal service and attention. When you hire us, you will work directly with attorney Benson at all times. We work hard to be available to take your calls when you need questions answered, and will promptly return messages if we are helping other clients. Because of our reputation for providing friendly and professional counsel, most of our new business comes to us as referrals.
We offer a free initial consultation to every client. Contact our office by e-mail or call us at 216-298-1124 (toll free at 888-634-9775) to set up a meeting.
Our Home Mortgage Foreclosure Defense Practice
We provide strong and assertive counsel to homeowners facing potential foreclosure on their mortgage, using a wide range of legal strategies to protect your interests, including:
- Home loan modifications. We will work directly with your lender to try to negotiate new terms for your loan that make it more affordable, including a reduction in the interest rate and/or an increase in the term of the loan. We will also attempt to have your bank or mortgage company either waive penalties and fees or allow you to finance past due amounts.
- Chapter 7 or Chapter 13 bankruptcy filings. When you file for bankruptcy protection, your lender must stop all legal actions involving your home until the bankruptcy is final. This can buy you the time you need to either refinance or get caught up. While you cannot discharge your home mortgage obligation under Chapter 7, you can get rid of other unsecured debt that can make it possible for you to make your mortgage payments.
- Truth-in-Lending Act challenges. We will look closely at how your mortgage was obtained to see if your lender violated state or federal laws. If so, we will seek the dismissal of the foreclosure action.
Contact the Benson Law Firm
To arrange a free initial consultation, contact us or call us at 216-298-1124 (toll free at 888-634-9775) to schedule an appointment. Evening meetings can be set up by request. Our office is conveniently located across from Playhouse Square, but we will meet with you in a coffee shop or any other location, if necessary.
We understand your concerns about the cost of legal representation and discuss all our fees up front. We will also set up payment plans, if necessary, based on your circumstances.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
