Dedicated To Defending Your Rights

Debt Relief Through Bankruptcy Or A Restructured Mortgage

At the law offices of Carl G. Zoecklein, Esq., in Clifton, New Jersey, we understand that there are many causes of financial difficulties. We also know that money problems can be emotionally wrenching and can seriously damage family and/or business relations. Whether you recently lost your job, have excessive credit card bills or large medical expenses, or are suffering from marital problems or other huge, unexpected life changes, you may overcome the financial devastation that comes with such troubles by filing for bankruptcy or getting approved for a mortgage loan modification.

The idea of bankruptcy might initially seem disturbing, but bankruptcy laws exist to help people who are unable to pay their bills. A mortgage do-over loan modification changes the original contract. Unlike the lose-lose scenario described above, if your loan modification is approved, you will have a chance to keep your home with payment terms you can afford. However, negotiating with your lender with legal help versus trying it alone could be the difference between keeping your home and losing it.

Working with a qualified loan modification attorney can ensure that your hardship is documented correctly and pave the way to approval. Turn to Carl G. Zoecklein, Esq., for confidential advice.

Advantages Of A Loan Modification Or Bankruptcy Discharge

Your new loan may accommodate your present circumstances better by implementing any of the following:

  • Lower monthly payments
  • Lower interest rates
  • Forgiveness of past-due payments or fees
  • Longer loan term
  • Adjustment of mortgage principal to home value loan modification

Tips: Do not ignore mail or phone calls from your lender. If your lender does not hear from you, they may initiate foreclosure proceedings. If you are having trouble making your payments, contact your lender as soon as possible to discuss your options as early as you can. The longer you wait to call, the fewer options you will have. With a lawyer to speak for you, you can be better assured that your rights will be honored.

Loan modifications are not the only way to stop foreclosure. A close examination of your circumstances may reveal that a Chapter 7 or Chapter 13 bankruptcy is a better solution in your case. For the support that you need to move toward a positive outcome, consult with a bankruptcy and loan modification attorney.

Face Your Financial Troubles With Resolve And Support

If you are engaged in a financial crisis, are close to losing your home or believe your assets are in jeopardy, know that you are not alone. Mr. Zoecklein is a dedicated lawyer who is ready to guide you through bankruptcy or a loan modification application.

Schedule a free consultation by calling 973-259-6606 or completing a simple online form. We are here for you. Spanish speakers are welcome. Se habla español.

Carl G. Zoecklein, Esq., is a debt relief agent. We help people file for bankruptcy protection under the U.S. Bankruptcy Code.