Our Miami-Dade Foreclosure Lawyers Are Here To Help You
Many homeowner’s in South Florida have faced or struggled with the possibility of losing their home in the Miami-Dade foreclosures process. While some people have been able to save their homes by obtaining a home mortgage modification, some still struggle with house payments they cannot afford. For many years the federal government offered the loan modification program referred to as the “Making Home Affordable Program” designed to allow homeowners to reduce their mortgage payments as well as to reduce their principal loan amounts. However, banks dragged out the process and many homeowners lost their homes in foreclosure. One tactic was to ask homeowners to resend the same documents over and over. Today, our Miami-Dade Foreclosure Lawyers are seeing a growing number of people default on their loans once again. While the Making Home Affordable Program is no longer available, many banks still offer in-house mortgage modifications and there are other alternatives to help homeowner’s avoid foreclosure.
Homeowner’s who hire Miami-Dade Foreclosure Lawyers are more successful in retaining their homes more than those who don’t. Here are some examples of what a lawyer can do for you:
- Get you into the right program. The Making Home Affordable program includes a variety of options to Florida residents, including the Home Affordable Modification Program (HAMP), the Home Affordable Refinance Program (HARP), the Home Affordable Foreclosure Alternatives program (HAFA), the Home Affordable Unemployment Program (UP) and the Hardest Hit Fund (HHF). While some of these options may no longer be available, there are still other possible alternatives to avoid forecloure. A Foreclosure Miami Attorney can help you review your options and help you resolve your Miami-Dade Foreclosure.
- Represent you in negotiations with the bank. A bank is more likely to help you when they know you’ve got an attorney at your side who will safeguard your interest.
- Defend you in a foreclosure action. Once you are served with a foreclosure action, you are required to respond within 20 days or you may lose your right to defend your interests in the action. A foreclosure attorney knows what tactics to use and how to drag out the foreclosure process in order to entice your lender into providing you with a home mortgage modification to help keep your home.
You Can Obtain A Mortgage Modification Or Seek Alternative Options To Avoid Foreclosure
At Marrero, Chamizo, Marcer Law, LP in Coral Gables, our Miami-Dade Foreclosure Lawyers are here to help you obtain a mortgage modification or alternative options available to help you avoid foreclosure. In some case bankruptcy is the best option to help homeowner’s avoid and stop foreclosure. Filing bankruptcy can be an excellent tool to avoid foreclosure when a mortgage modification can not be obtained. Whether you need help with obtaining a home mortgage modification or seek bankruptcy relief, our Attorneys are here to help you through the process and save your home. To learn more about our services and how we can help you, schedule a consultation now. We offer a free initial consultation to evaluate your situation and answer any questions you may have.