If you have fallen behind on your mortgage payments, you may be in danger of foreclosure. Under the terms of your mortgage, the house is collateral for the loan, and if you default, the lender can force a sale of the property to recover what you owe. If you want to hold onto your home, there are effective legal strategies available, and the Law Office of David A. Fernandez, P.C. can help you implement them. Since 2009, we have worked almost exclusively on consumer debt issues. We have the knowledge and experience to protect your home for your future security.
A lender can initiate foreclosure proceedings when you have fallen behind on your mortgage payments and have given the impression that you’re not willing or able to catch up. Here are a few steps you can take to correct the situation before it’s too late:
Our attorneys are prepared to evaluate your financial situation and recommend the best strategy for you.
If you are determined to keep your home but your lender is equally determined to foreclose, you can stop foreclosure actions by filing for bankruptcy. Any bankruptcy filing gets you an automatic stay that prohibits creditors from attempting to collect on your debts. Since foreclosure is a collection method, the lender can’t do it.
Once you’re in Chapter 13, we help you design a payment plan based on your disposable income. Your mortgage lender receives a portion of your payment from the bankruptcy trustee. After you complete your plan, the bankruptcy court discharges your remaining eligible debt. This makes it possible for you to pay your mortgage arrears aggressively and bring your payments current.
Bankruptcy is not a step to take lightly. But, with the personal attention and advice you receive from our law firm, you can be confident that the decision you make will be the right one for your future.
At the Law Office of David A. Fernandez, P.C., we’re dedicated to helping consumers get debt relief in the manner most appropriate for them. If you have questions about saving your home from foreclosure, we have the answers. To schedule an appointment with a consumer law attorney, call our firm at 713-893-8509 or contact us online.
"MC vs. Conn's" - $553,000
"LC vs. Conn's" - $1,026,000
"AR vs. Conn's" - $778,500
"BB vs. Conn's" - $672,000
"GD vs. Conn's" - $636,000
"David Fernandez won my case against Midland Funding. What a relief. Thanks so much" - Anthony
"David fought multiple of our suits and won when every other lawyer said it wasn’t possible. So thankful for his services" - Jennifer
"This guy is the BEST Lawyer I've ever hired. I've been in business for over 46 years and have NEVER won a lawsuit until now! Highly Recommended" - Ron
"Mr. Fernandez was the best! He took care of me when my own company's lawyers program did not. I will always recommend him" - Linda
"Mr. Fernandez goes above and beyond to help his clients. I highly recommend his law office." - Lorie A.