Mortgage Legal Services
Liberty Credit Law, PC - Helping Clients With Difficult Mortgage Matters
When people are having difficulty making mortgage payments or facing foreclosure, they may feel overwhelmed and without options. However, the truth is that there are numerous ways to prevent foreclosure.
Most of our clients who retain us for a mortgage related service have attempted to negotiate with their lenders on their own before retaining our firm. We are proud to say that we have helped provide manageable solutions for thousands of loans for clients who had attempted to negotiate with their bank on their own before approaching Liberty Credit Law for legal assistance. It is important to note that some banks participate in government sponsored programs, and others offer "in-house" workout solutions. In fact, some offer both, and some banks dont modify the terms of their loans at all. it is important to note that banks view loan workout solutions as financial decisions. Remember, banks are businesses. Businesses make decisions based on profit potential. Although it may seem counter intuitive, a workout solution is usually not a right that the homeowner has. Rather, it is often a voluntary agreement made by your lender. Our service is designed to present your case in such a manner that proves to the lender why a solution would be a fianancially beneficial decision for them.
Our service is designed to assist our clients in getting the best possible results, and we are very successful in doing so. We do not sue your lender on your behalf. Rather, we attempt to come to a reasonable and beneficial agreement with lenders to meet our clients' needs. Since the law generally does not require lenders to modify the terms of a mortgage, the ultimate decision to approve or deny a request lies solely in the hands of the lender. Therefore, this process can sometimes be long and stressful. In order to avoid unnecessary stress, We offer prospective clients a free consultation in which an attorney or other member of the legal team will discuss your situation with you. We will do a free evaluation in which we discuss the current terms of your mortgage and some basic facets of your current financial environment. This allows us to determine the general likelihood that we will be able to obtain the results you desire. If we believe that the llikelihood of success is low, we will notify you and let you know what your other options are.
Liberty Credit Law has obtained positive and beneficial results for countless clients who were otherwise unable to obtain results on their own. Liberty's legal team is well versed in submitting applications for all types of workout solutions to banks, and negotiating positive results. The lawyers and legal team know how to successfully navigate the obstacles that banks are notorious for. Our goal is to obtain an affordable workout situation between the homeowner and lender, and therefore avoid foreclosure , bankruptcy, or short sale of the home. When a solutions has been obtained, lenders may: lower interest rates, increase the duration of the home loan, postpone or delay foreclosure, or sometime even decrease the principal balance or eliminate late fees.
Don't feel alone. Many homeowners report that the process of negotiating with their bank on their own can be tricky, lengthy, frustrating, and redundant. Often, banks are not readily willing to offer a workout solution to homeowners and it becomes advantageous to hire a law firm to represent you in the matter.
Retaining our law firm for a mortgage matter has distinct advantages in that we have the expertise to gather the proper documents from you, and package the submission to the creditor in a manner that meets their requirements and clearly shows the mortgage lender why offering you a solution is in their best interest. Most importantly, we can effectively negotiate with your lender to obtain the most favorable results possible.
If you would like assistance with a difficult mortgage matter, contact our law firm to schedule a free initial consultation today!
Liberty Credit Law, PC is a law firm based in PA, NY, and NJ with Of Counsel attorneys in multiple states where it accepts clients. In New York, Liberty Credit Law is Bronson Law Offices, P.C.