St. Louis Foreclosure help and prevention
Stop Foreclosure in St. Louis! St. Louis Foreclosure Help and Prevention.
If you are facing foreclosure for any number of reasons, you are risking the most valuable thing you will likely ever own. Sean C. Paul is a St. Louis Foreclosure prevention attorney and can help you file a Chapter 13 bankruptcy.
The government has programs available that you may want to look at if you are struggling with payments but have not yet gotten to the foreclosure stage. The Home Affordable Modification Program is a program set up by the U.S. Department of the Treasury and the Department of Housing and Urban Development. This program has created incentives for your lender to modify your note and give you a better interest rate and lower payments. You should contact your lender to see if you qualify for foreclosure help under this program.
The government has also sponsored another program: the Home Affordable Refinance Program. With this program, you may qualify for refinancing of your home where you wouldn’t qualify under a more traditional refinance. An example of this would be when your house has lost value and is now worth less than the amount of your loan. This program is also a way to obtain foreclosure help by lowering your interest through a refinance.
Call and talk to a St. Louis foreclosure and bankruptcy attorney today to see if he can help you with these alternatives to bankruptcy. However, you may still need to file for Chapter 13 Bankruptcy relief to stop the foreclosure. This would give you the time you need to work with your lender.
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When working with your lender fails, call a St. Louis Foreclosure and Bankruptcy Attorney!
However, sometimes seeking a modification and a refinance can be a frustrating experience and may not lead you to the foreclosure help you are needing. If you are behind on mortgage payments, but feel like you can afford your home – if only you could get caught up again – a St. Louis Chapter 13 Bankruptcy attorney may be able to offer you the foreclosure help you need under Chapter 13 of the bankruptcy code. A bankruptcy will stop foreclosure and all other collection attempts. You can eliminate debts that you are struggling with while repaying missed payments on your home. Unfortunately, the bankruptcy court cannot lower your regular monthly payments; however, it can help you get current on your mortgage, which may be all the foreclosure help you need!
But even if you feel like your mortgage payment is too high, you should still contact a St. Louis Foreclosure and Bankruptcy Attorney and discuss Chapter 13 Bankruptcy relief. If you can stop foreclosure by filing for bankruptcy relief, you may then be able to try to qualify for a modification of your note under the program described above. The St. Louis Chapter 13 Bankruptcy attorney may be able to assist you in getting this modification once you have gotten yourself under the protection of the bankruptcy court. While the bankruptcy court cannot force the modification, the chapter 13 bankruptcy filing may give you the time you need to work something out with your lender.
Bankruptcy is NOT a dirty word. You should not fear this process. Call and get expert guidance today! Sean C. Paul, a St. Louis Foreclosure and Bankruptcy Attorney who can help you with Chapter 13 Bankruptcy, is waiting to help!
Take a look at my reviews so that you can feel better about your decision to hire me as your Chapter 7 or Chapter 13 Bankruptcy Attorney St. Louis.
Sean C. Paul is licensed to practice law in the State of Missouri, and has been admitted to practice in the Federal Courts of the Eastern District of Missouri, the Southern District of Illinois, and the Central District of Illinois. He worked for one of the largest firms in the country as a bankruptcy attorney before starting this firm.
Chapter 13 Bankruptcy may be a GREAT option for you. Don’t lose your home to foreclosure. Call Sean today!