Losing your income, facing a medical catastrophe, mounting credit card debt, or whatever the reason, if you are behind on your mortgage payments or have been served foreclosure papers, you need to contact our office immediately. Do not risk losing your rights, nor put your home in jeopardy. Attorney Michael Alan Siddons can help you stay in your home, giving you the valuable time you need to work out a solution. We are here to help. Contact us to find out more, with no obligation!
The Law Office of Michael Alan Siddons offers a flat fee mortgage foreclosure defense to help. So not only can we help you avoid losing your home, but the advantages you receive will far outweigh the legal fees. Imagine being given as much as an extra 24 months (results may vary) to stay in your home and put your life back together. That’s an extra two years to work on organizing your financial affairs.
If your financial distress was created or magnified by a loss of income or a medical catastrophe, your case may be particularly suited for our mortgage foreclosure defense. The loss of income by a major wage earner in your household or a medical condition that affects their ability to earn an income can both be used as justification to hold off a sheriff’s action for a period of time. Please contact our office for more details.
A short sale occurs when you sell your home for less than you owe on it. Short sales are difficult and lengthy transactions that must be approved by your mortgage lender before they are allowed to close. Often times, the only other option to a short sale is a foreclosure. One advantage of a short sale to you is that your credit rating is often not as greatly affected by a short sale as it is by a foreclosure.
Unfortunately for the seller, there are no rules that mandate any lender to accept a short sale, so having an attorney fight for you can make the difference between selling your home or getting buried under more debt. A short sale defense attorney can review the extensive conditions that banks often set for short sales and negotiate a compromise with them. The Law Office of Michael Alan Siddons can work with you and your lender to negotiate terms and conditions for you, not your bank.