If you want to keep your home you can utilize Federal Law to immediately
stop the foreclosure process and help you keep your home. In addition
to keeping your home, Federal Law also provides you with further protections
that will help you manage or eliminate all of your debt.
These options include:
- Helping you keep your home
- Shielding you from ALL of your creditors, not just your mortgage lender
- Eliminating all of your unsecured debt such as credit cards, personal loans,
and medical bills
- Potentially eliminating your second mortgage
- Preventing repossession if you are past due on your car payments
- Stopping and eliminating wage garnishments
- Helping you get your credit back
You Need To Protect Your Home Because It’s Your Biggest Asset!
You may be thinking of other options to protect your home, like a loan
modification or debt settlement. If so, you should know that both of these
options come with significant problems.
Problems with Loan Modifications:
- A staggering majority of loan modifications are denied
- In fact only 15% of mortgages have been modified. Meaning 85% are denied
- If it’s denied, you have very little time before the date set for
foreclosure to save your home
Problems with Debt Settlements:
- Any forgiven debt they provide can be taxable, meaning it’s treated
like income which you then have to pay taxes on, leaving you with more bills
- Debt Settlement firms usually charge large up-front fees and collect interest
on your debt
- They cannot settle your mortgage debt
Fraud! A large percentage of debt settlement firms are scams
Don’t Believe The Myths! Get Informed And Save Your Home!
I want to make sure you’re fully informed at
NO COST to you. There are some
myths about bankruptcy you have probably heard that may be preventing you from making the call.
Here are some of the most common misconceptions about bankruptcy so let
me help you understand why these rumors are
Myth 1: Bankruptcy ruins your credit.
NO IT DOESN’T!
A bankruptcy actually
helps your credit. Let’s be honest, if you are going through a foreclosure, your credit
probably is not the best anyway. A foreclosure stays on your credit report
for years afterward and will affect your ability to secure loans, get
a new home, and get low interest credit cards, especially if you have
a deficiency balance.
Furthermore, we have a partnership with an amazing credit education company
that teaches our clients how to significantly increase their credit score
shortly after a bankruptcy.
Myth 2: Filing for bankruptcy will cost me my job.
NO IT WON’T!
simply not true. Federal law
prevents discrimination against an individual who has filed for bankruptcy.
Myth 3: It’s shameful to file for bankruptcy.
NO IT’S NOT
Millions of people file for bankruptcy each year for a variety of reasons
and it doesn’t mean you’re a bad person. If that were true,
there wouldn’t be a law designed to help you. Your first responsibility
is to take care of your family. Choosing to get a fresh start so you can
provide for them is actually one of the noblest choices you can make.
If your home has been foreclosed, you need to know what happens next:
lawsuit, judgment and garnishment. You cannot afford to wait until your house is foreclosed.
Get Your Fresh Start – Call My Chula Vista Office!
Call me today at (619)
458-3739 and I will discuss your options on how to keep your home and answer
all the questions you have!
I will sit down with your for
FREE so you have nothing to lose by contacting me. Remember, you don’t
have much time until your home is gone, so you need to take action immediately
to stop the foreclosure and keep your home. Please call me today at (619)
458-3739 or you can also fill out a
contact form or simply click on the Live Chat Button to connect right away.
Doing nothing, changes nothing! What is your next move? Call (619) 458-3739!