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Home Loan Modifications

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Home Loan Modifications in Fresno

Get Help From Experienced Bankruptcy Lawyers

Most of us don't take out a mortgage to purchase a home without being confident that we can afford the monthly payments. However, life is full of difficult situations that can destabilize our well-crafted plans. An unplanned pregnancy or loss of employment can make it almost impossible to meet the required mortgage payments. When this happens, not only does interest on your home loan continue to accrue, but you may face additional penalties for late payments, making your financial situation worse.

If you or someone you know is caught in this challenging position, we encourage you to contact a Fresno bankruptcy attorney from Arnold Law Group, APC. Our legal team has over 20 years of combined experience and has helped many individuals just like you with chapter 7 and chapter 13 bankruptcy, as well as wage garnishments and creditor harassment.

Why You Should Hire an Attorney

If you are seeking a modification to your home loan, it is important to be cautious about these common types of solutions:

  • Credit Counseling Programs;
  • Credit Card Modifications of the Interest Rate and/or Principal Balance;
  • Voluntary Repossession of your Residence, submitting the Deed in Lieu of having your Home foreclosed upon; and/or
  • Short Sale of your Residence, whereupon both yourself and the mortgage companies agree to have a qualified realtor sell the residence for less than what is owed upon the residence.

Unfortunately, the sad reality is that many companies who promote and advertise these programs prey upon people with credit problems who are desperately seeking financial relief and want to avoid bankruptcy. Oftentimes, people who become involved in these programs pay out a great deal of money, only to find out that little to no help has been provided to them.

By hiring an experienced loan modification and bankruptcy attorney, you can have a dedicated legal advocate evaluate your situation and help you find the best solution possible to meet your needs. Our firm is standing by and ready to help! Call us today at (559) 900-1263, or get started on your case by filling out our case evaluation form.

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