Stop Foreclosure Law Firm
Stopping a foreclosure allows an individual/family to keep their home.
Foreclosure can be upsetting and scary. You receive a complaint that your lender is seeking Court action to foreclose on your home. You need to know that you have an option to Stop the Foreclosure that enables you to keep your home. You and your family deserve the stability to stay in your home.
Stopping a foreclosure allows an individual/family to keep their home. Clients call me in a panic thinking that it is the end of their world. They want to stop the foreclosure process. When the process begins, it is a stressful time. However, I can ease your stress. Keep in mind, that I have compassion for my clients.
Ultimately, each situation in unique to each client. I take the time to learn more about your particular situation. My clients rely on me because I am there for them.
I can stop your foreclosure immediately even if the Sheriff’s sale is the same day.
You do not want to lose the equity in your home. Filing a bankruptcy will give you an opportunity to protect your equity.
You may be procrastinating on what to do to stop foreclosure:
- You may be falling behind in your mortgage payments.
- I can work with you to bring your past due mortgage payments current.
- We can save your home.
- Do not let the lender take your home.
- Your home gives you security and a sense of ownership.
- Do not wait until the Sheriff’s sale is over.
- Chapter 13 Bankruptcy Help
- Chapter 13 allows you to reorganize your debt and organize your finances.
- You can pay off your debts including your mortgage arrearages over time.
- I can meet with you and discuss the entire process of filing Chapter 13 Bankruptcy. I can prepare a plan to get you back on track.
How to Stop Foreclosure the Same Day Before the Sheriff's Sale Takes Place
I will meet with you personally and determine if Ch. 13 is an option for you. If Chapter 13 Bankruptcy will benefit you, I can file your case the same day and Stop your Foreclosure immediately.
Working with me, you are never passed on to another associate. I meet with you, file your case, and work with you throughout the entire process. Rest assured. You hire me – I represent you personally.
During our free bankruptcy consultation meeting, I will analyze your assets and liabilities to determine if the assets exceed the protection of bankruptcy exemptions (what you can keep).
The sooner you come in for your free consultation, the sooner we can implement a plan that will achieve your desired financial goals.
There are no stand-in attorneys at my law firm.
Foreclosure Questions:
Do not let the Bank or Sheriff decide whether you Stay in your Home or Leave your Home.
You dictate the payment terms – Not the bank and STOP your FORECLOSURE TODAY.
Call me now for a free consultation: Ralph A. Ferro, Jr., Esq. (201) 446-5904
Flexible times are available. You can always call my cell phone and reach me immediately. I am here to help you…..
Read my client reviews – I am committed to my clients.
Have you?
- had periods of underemployment or unemployment.
- missed a mortgage payment or you just got behind.
- been denied a loan modification and the bank took long to answer.
- just received a foreclosure notification.
Utilize Chapter 13 bankruptcy to stop foreclosure to give you time to pay back the past due mortgage payments and keep your home.
Ralph A. Ferro, Jr., Esq. Bankruptcy Lawyer
Board Certified Consumer Bankruptcy Lawyer
Before a foreclosure - Talk to me About Chapter 13 Bankruptcy - Keep Your Home
Chapter 13 Bankruptcy
For: Individuals Only
- Reorganize past-due Mortgage & Car payments
- Save your House & Car
- Stop Foreclosures
- Stop Sheriff’s Sale
- Stop Property Tax Sales
- Establish an Affordable Repayment Plan for your Debts
- Retain your Assets
- Pay Back What You Can Afford
Call me Today: I will stop the sheriff’s sale immediately.
Does a foreclosure or Short Sale end your Financial Burden?
No – it does not – See What Can Happen Below:
- Former homeowners may still be on the hook if there is a difference between what theyowed on their mortgage san dwhat the bank could sell it for.
- Deficiency judgments are ticking time bombs that can explode years after brorrowers lose their homes.
- Banks approve borrowers to sell their home for less than it is worth (Short Sale)
- Can the banks come after y ou? If brrowers ignore the possibility of deficiencies, it could haunt them.
Ticking time bombs:
- What can be scary is that the judgments do not have to be obtained immediately or even be a large amount.
- Lenders or collection agencies may wait until debtors have recovered financially before they close in
- Lenders may release property liens in order to facilitate short sales without releasing brrrowers from their obligations to pay under the promissory notes.
- The secured debt can convert to an unsecured one after the sale.
Strategic Defaults:
- Sometimes lenders go after borrowers who walk away from their homes if they have other assets.
- The lenders can go after the borrowers other assets.
Short Sales - Suggested by a Real Estate Agent or Broker
If Real estate agents/brokers suggest a Short Sale, call me first (201) 446-5904:
- The sales agents may only be looking at the benefits to them – sales commission.
- I will see if the short sale benefits you.
When you call me – You reach me directly.
(201) 446-5904 (text or call me Now)
- There is never a screening process to reach me.
- I answer my calls directly.
- You are never passed around or transferred – you reach me directly.
- Clients are important to me. (See how my client’s reviews demonstrate my commitment to you)