Are you facing foreclosure on your home? Being threatened with losing your family’s biggest asset can make anyone feel worried and uncertain for their future. Conventional loans (those that are not insured by the government) can go into foreclosure as soon as the loan is defaulted. This can be as soon as just 15-20 days past the grace period. For many families, missing a single paycheck can mean facing foreclosure on their treasured home.
If you need advice regarding your foreclosure
Contact our office today
The bankruptcy attorneys at Berken Cloyes, PC are experienced in helping homeowners who are faced with tough times make it out the other side. Call us today for your free consultation and tell us about your situation. We can work with you to find the best foreclosure defense for your exact predicament.
If you are being harassed, or subjected to unfair collection practices, we will work to stop the violators immediately. Getting you out of debt as fast as possible is our top priority, but it’s never helpful to be harassed. That’s what the Fair Debt Collection Practices Act, or the FDCPA, was enacted to protect against.
Possible solutions for your situation may include:
- Doing a short sale
- Negotiating a mortgage modification
- Selling the home and buying one that is better suited to your financial situation
- Filing for Chapter 7 or Chapter 13 Bankruptcy
We also protect our clients against unfair repossession or foreclosure attempts that are in violation of the Bankruptcy Code. Taking care of overreaching debt collectors is what we do. We will take over all communications with your lenders and creditors, and look for any violations of your rights. If the tactics your lenders have been using aren’t in accordance with the Fair Lending Act or the FDCPA, we will work to find a way to salvage your home.
Denver Foreclosure Attorneys
Thankfully, since the peak in 2009, the number of foreclosures in Colorado has dropped every single year. But for those who are struggling with making their mortgage payments, and those who owe more on their mortgage than the home is even worth, we are here to help.
It can be a rough time, facing foreclosure on your own. You shouldn’t have to lose your home due to a temporary financial situation. While many lenders won’t actually pursue foreclosure until you’re three payments behind, it is far too easy to find yourself in that situation, through no fault of your own. We understand what you’re going through and are here to make it easier for you.
After we review your financial situation, we will work with you to come up with the best plan for you and your family. It will be customized to fit your needs, and may include aspects like restructuring or settling debts, foreclosure, or bankruptcy, depending on what will help you the most. For homeowners who are upside down on the home on their primary mortgage, but who also have a second mortgage on the house, chapter 13 bankruptcy may be the right route. In certain cases, the second loan may be able to be stripped off with completion of a successful bankruptcy plan, allowing the homeowner to keep the home and get onto an affordable path to solvency.
With more than 60 total years in practice, our attorneys are well-versed in all aspects of foreclosure law, and our team knows how to help you get out of debt and into a better financial future. With knowledgeable & caring foreclosure defense fighting for you, you can have peace of mind during this trying time and know that a fresh start is just around the corner.
If you are facing foreclosure in Denver, Colorado Springs, Fort Collins, Boulder, Loveland or any nearby area, call our legal team today at (303) 623-4357 to schedule an appointment.