Behind on your mortgage? A Pennsylvania mortgage workout attorney can help in a number of ways. Most people think that there’s no way to take on mortgage companies. That is not true. We can and do take on them on every day. Falling behind on your mortgage is scary. We get that. We work with people in your exact situation every day.
Getting the process started with a mortgage workout attorney in Pennsylvania
The foreclosure process can be daunting. To help our clients along the way, we provide a number of free resources to answer your questions and walk you through the process. To start, Attorney Best offers his e-book “Save Your Home: A mortgage attorney’s guide to recovering from late mortgage payments“, for FREE. All you have to do is request a copy. As part of the ARM Yourself With Knowledge Series, this guide aims to help you navigate the process of recovering from your late mortgage payments and the processes you have available to save your home.
If you would like to discuss your personal situation, just give us a call. We’d be happy to discuss your case. Our consultations are completely free so you have nothing to lose. If you’d prefer to e-mail us, just click here for a free consultation.
What is a mortgage workout?
A mortgage workout is a general term that many people use to describe any number of solutions that can be used to save your home. A mortgage workout can include forbearance, repayment, mortgage modification, or even bankruptcy.
Sometimes, when you are trying to save your home, we have to look at a number of different options. We may start by requesting a forbearance then pivot to repayment. If that’s not feasible, we may look to at mortgage modification.
In any workout, we try to use your goals as our guide. Some people want to keep their house. Others don’t. If your main concern is the debt and not with keeping your house, we can look at other options such as a short sale, deed in lieu of foreclosure, or Chapter 7 bankruptcy.
What is the Pennsylvania mortgage foreclosure diversion program?
Many counties in Pennsylvania have implemented foreclosure diversion programs to assist borrowers in finding ways to avoid foreclosure. Sometimes this is called “foreclosure diversion”. Other times it’s referred to as “mortgage conciliation”. In either case, it normally involves a meeting between the lender and the borrower to reach a workout and avoid foreclosure. Potential outcomes of a conciliation conference include:
- loan modification
- repayment agreement
- forbearance agreement
- short sale, or
- deed in lieu of foreclosure.
We’ve represented borrowers at countless mortgage conciliation conferences in Pennsylvania and are prepared to do the same for you.
Pennsylvania Counties Served
Our PA foreclosure attorneys have three offices throughout Pennsylvania so we’re close to you no matter where you are! We are happy to serve the following counties in mortgage foreclosure matters:
- Pike County Mortgage Workout Lawyer
- Monroe County Mortgage Workout Lawyer
- Carbon County Mortgage Workout Lawyer
- Schuylkill County Mortgage Workout Lawyer
- Wayne County Mortgage Workout Lawyer
- Luzerne County Mortgage Workout Lawyer
- Lackawanna County Mortgage Workout Lawyer
- Northampton County Mortgage Workout Lawyer
- Lehigh County Mortgage Workout Lawyer
- Berks County Mortgage Workout Lawyer
If your county is not listed, call us. While these are the counties we typically serve, we’ve handled cases as far away as Pittsburgh upon request.