Stop Home Foreclosure in Ohio and Kentucky
If you are having trouble paying your bills and mortgage payment, winning the lottery is not a realistic option. You are in real danger of losing your home to foreclosure, and you should take action to protect yourself and your home.
Zingarelli & Lawrence is a law firm that helps people in the Greater Cincinnati, Ohio, area keep their homes and get debt relief. We use the bankruptcy system to protect our clients' rights and enable them to get a fresh start.
In a no-obligation consultation, we can review your situation and explain your options. Contact us today to speak with an experienced Cincinnati foreclosure defense lawyer.
Your Foreclosure Defense Options
There are several ways to stop or delay an impending foreclosure:
- File bankruptcy
- Attack the validity of the foreclosure via a lawsuit
- Get a loan modification
Let's examine these in reverse order. With a loan modification, you or someone you designate negotiates a reduction in the interest rate, the amount of the loan or both. The problem with seeking a loan modification is that the process is time-consuming and there is no guarantee of success. In the meantime, your financial situation may get worse.
The same applies to a lawsuit based on an assertion that the mortgage is somehow invalid due to improperly drawn loan documents, foreclosure documents or other technical shortcomings. Here again, the process is time-consuming and there is no guarantee that you can win your suit. You will also incur legal and court costs.
We can help you defend against the foreclosure in state court. However, only with a Chapter 13 bankruptcy filing can you be assured that you can stop a foreclosure and keep your home.
As attorneys, Zingarelli & Lawrence can protect your home and your rights for a reasonable flat fee. We can provide an objective review of your options — and take action to protect your rights.
Important Information for Homeowners
Some mortgage companies tell homeowners to ignore foreclosure notices sent to them. They will say that they will continue to work with you as you try to find a way to deal with your financial problems.
You should not trust what a mortgage company customer service agent tells you over the phone. Your mortgage company may string you along, but it is under no obligation to follow up on any verbal promises it makes. You could wake up one day with the echo of the auctioneer's hammer ringing in your ears.
Get Legal Help Today
Contact Zingarelli & Lawrence for a no-obligation initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
