If you are having trouble paying your bills and mortgage payment, you need to take action. If you have missed three or more mortgage payments, you are in danger of losing your home to foreclosure. You have options, but you need the help of experienced professionals to protect yourself and your home.
Zingarelli Law Office is a law firm that helps people in the greater Cincinnati area — including southwest Ohio and northern Kentucky — keep their houses and get debt relief. We defend homeowners in the foreclosure itself, and use the bankruptcy system and other effective debt relief solutions to protect our clients’ rights and enable them to get a fresh start.
In a free consultation, we can review your situation and explain your options. Contact our foreclosure defense attorneys today.
There are several ways to stop or delay foreclosure:
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. If a loan modification is a good option in your case, we will do everything we can to help to work with your lender and arrive at terms that will help you remain in your home and make fair payments you can afford.
In other situations, the mortgage or foreclosure itself may appear invalid due to improperly drawn loan documents, improper foreclosure documents, or other technical shortcomings. In these cases, if necessary, we will defend a lawsuit in the Ohio or Kentucky state courts, and aggressively advocate for your interests in and out of court.
Finally, filing for Chapter 13 bankruptcy — often the fastest and most reliable option — allows you to stop a foreclosure and keep your home. You can also file a Chapter 13 bankruptcy to stop the foreclosure process while continuing to pursue a loan modification. This is one of the many reasons why Chapter 13 is often the best strategy to fight foreclosure.
Zingarelli Law Office can protect your home and your rights for a reasonable fee. Our skilled Cincinnati foreclosure defense lawyers can provide an objective review of your options — and take action to protect your rights.
Our attorneys can also offer other alternatives to foreclosure if you are in over your head, and it makes sense for you to give up your current home while avoiding the consequences of foreclosure. Some of these alternatives include short sales, deed in lieu of foreclosure agreements, and “cash for keys” agreements.
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. If you receive one of these notices, we urge you to contact us right away so we can be proactive in helping you.
Remember, if your property has not been sold at auction, it is not too late to save it. We can quickly verify whether you still have the opportunity to save your home, but you may need to act fast. The timing of the actions we take may be the difference between saving your home and your being forced to move.
Read more below about alternatives to home foreclosure or contact Zingarelli Law Office for a no-obligation initial consultation.
With an office located in Cincinnati, Ohio, the bankruptcy attorneys of Zingarelli Law Office represent clients in southwest Ohio and northern Kentucky. Ohio communities we serve include Batavia, Mason, Loveland, Middletown, Hamilton, Fairfield, Anderson, Norwood, Western Hills, Blue Ash, Lebanon, Oakley and Liberty Township. Northern Kentucky communities we serve include Covington, Newport, Ft. Mitchell, Ft. Thomas, Florence, Burlington and Independence.