We level the playing field.
Debt collectors, tax collectors, banks and loan servicers can be very intimidating.
Don't fight them alone.
Home Legal Group is a bill collector's worst nightmare.
You can turn the tables on your lenders by understanding your rights and retaining qualified legal representation.
We are here to help. Contact us today for a free, no obligation consultation.
Helping Michigan Homeowners find a solution to their Mortgage and Debit problems.
If you or someone you know has questions about or needs help with the following CALL US TODAY!
Michigan Loan Modifications, Michigan Short Sales, Michigan Deed In Lieu , Michigan Walk Away Programs, Michigan Mortgage Mediation, Michigan Forbearance Agreements, using a Chapter 13 Bankruptcy to save your home or using a Chapter 7 Bankruptcy for a fresh start , we can help.
Michigan Homeowners Contact us Today to learn about your options! 248-955-3031
The material and information contained on these pages and on any pages linked from these pages are intended to provide information and not legal advice. You should consult with a lawyer licensed to practice in your jurisdiction before relying upon any of the information presented here. Steve B Ruza, Esq. Attorney At Law
Unless otherwise indicated, photos of individuals on this website depict models or actors, and are not attorneys, paralegals or other staff of Home Legal Group, PLLC
Michigan Foreclosure Defense Firm and Loan Modifications
Foreclosure is something that can happen when you get behind on your Mortgage Loan in Michigan. Your lender won't automatically put you into a program to bring your loan up-to-date. You must put the plan into motion and provide the lender with the documentation they require to analyze your financial situation to stop the Foreclosure action. Although lenders do not want to foreclose if it can be avoided, they do want to make sure you can follow-through on any promises you make to bring your account current.
Mediation is the key to Stopping the Foreclosure. As we stated before, the Mortgage Company does not want to Foreclose and is usually willing to agree to terms to stop Foreclosure. These terms are negotiable and it is to your advantage to develop a plan of action before contacting them. This plan needs to be thoroughly analyzed before presenting it to them as it becomes very difficult to adjust it. We have extensive experience in this area and we can develop a winning strategy or plan for you to Stop the Foreclosure.
Trying to Stop a Foreclosure in Michigan?
Call our office for a Free consultation so we can review your goals and your current financial situation. Together we will plan the perfect strategy for your personal situation. If this option is for a modification then we need to document your current financial situation to show that you can afford the Monthly payments. This is very tricky… you need to be accurate and honest as they may not accept changes once it is submitted. We develop a Personal Financial portfolio for each of our clients. This shows your income versus your expenses in a form that is easy to understand and highlights your ability to repay the loan.
Most Mortgage Companies will consider a Loan Modification, Deferment, Forbearance or a Repayment Plan as a first option to quickly bring the loan current. Our foreclosure specialists will use one of those options or perhaps a combination of those or any of the options below to develop your personalized strategy to stop Foreclosure.
Here are some of the other options available to you. Reinstatement plan, repayment plan, loan modification/loan restructuring, loan refinance, loan forbearance, partial claim, pre-foreclosure sale, short sale, deed-in-lieu of foreclosure, Bankruptcy chapter 7 and 13.
Let our Law Firm take the fight to your lender! Click Here To Contact Us Today!
DO YOU NEED ANSWERS TO THESE QUESTIONS?
Act now, and fill out our contact form to regain your financial future! Our Initial Consultations are Free
• What type, or chapter, of bankruptcy should I file?
• What can I keep, if anything, if I file bankruptcy?
• Will I lose my home if I file for bankruptcy?
• How do I get the bill collectors to stop calling?
• Will I lose my car after bankruptcy?
• Will bankruptcy stop an eviction?
STOP!
Garnishments • Lawsuits • Creditor Harassment • Foreclosures • Court Appearances • Sheriff Sales
Click Here For
Chapter 7
Bankruptcy
Wipe out your debt by grouping everything together and in one shot creating a fresh start for yourself with Michigan based Home Legal Group, PLLC
Click Here To Learn More About Chapter 7 Bankruptcy
Chapter 13
Need to save your house, save your car, stop the IRS from garnishing your wages, bank accounts or other items? Contact Michigan Based Home Legal Group, PLLC
Click here to Learn more about
Chapter 13 Bankruptcy
Click Here To Contact Us Today!
Michigan Loan Modifications
A loan modification is a change to one or more of the terms of an existing loan, such as an interest rate reduction, term extension, a complete loan program change, or a combination of these changes.
Experienced Michigan Loan Modification Lawyers at The Home Legal Group, PLLC will conduct a comprehensive review of the loan. We will prepare the appropriate documents and negotiate loan modifications. Our Michigan attorneys have the knowledge required to present a strong case for modifying a loan. Our experience with foreclosures, bankruptcies and short sales gives us the ability to help clients stay in their homes.
Advantages of Loan Modifications
Homeowners facing a mortgage default or considering short sales may be good candidates for loan modifications. A loan modification can stop foreclosure and ultimately protect the homeowner’s credit rating. Our lawyers advise clients about other options such as forbearance agreements and help them decide whether a loan modification is the right choice for their situation.
Qualifying for Loan Modification
Lenders look for evidence of the homeowner’s ability to make payments after the loan is modified. That is why our attorneys will help clients gather documents that show assets and income. Banks and other lenders also want evidence of hardship. Our law firm helps clients demonstrate such circumstances as divorce or separation, job loss, death of a spouse, illness, relocation, and military service.
What is a loan modification?
A loan modification can accomplish the following for homeowners who find themselves behind on their mortgage payments and facing the possibility of foreclosure:
• Lower monthly payments
• Lower interest rates
• Reductions of the loan balance
• Waiver of accrued interest
• Extension of the repayment period
• Rolling past due payments into a modified loans
Our program of debt settlement uses attorneys with the specialized training to negotiate with your creditors on your behalf. Our Debt settlement program gives you a solid debt relief plan, expert help in negotiating your debts, and supportive people who recognize that anyone can get deeply in debt.
Call right now to speak with one of our debt counselors and to start on your debt settlement program today!
Are you feeling the heat from your creditors?
•Have you received harassing phone calls at home and work from collections agencies?
•Are you more than one payment behind on your mortgage, auto loan, or credit card debt?
•Are you considering committing credit suicide by filing for bankruptcy?
•Are your debts robbing you of sleep at night and preventing you from concentrating at work?
Here are some of the debts we can help with!
• All Major Credit Card Debt
• Medical Bills - Phone Bills
• Decrease Collection Calls
• Retail Store Charge Cards
• All Other Unsecured Loans or Liens
• High Credit Card Rates & Fees
Imagine how good being debt free will feel.
Call us today and take the first step toward a debt free lifestyle!
The First Step to Our Attorney Based Debt Settlement Program: Start A Free Debt Relief Analysis
If you have a genuine hardship and a sufficient amount of qualifying unsecured credit card debt, a negotiated debt settlement can help you become debt free years before you otherwise might. Imagine having the collection calls stop. Imagine debt relief without the stigma of bankruptcy.
Unlike some credit counseling services, which get paid based upon how much of your debts you pay, Home Legal Group, PLLC is a company that wants to get your debts settled for the least amount that your creditors will accept. Home Legal Group, PLLC is a reputable debt relief attorney based debt settlement program which is the best way to get out of credit debt. Take the first step to debt settlement by calling us today.
In any debt negotiation, preparation and experience are the keys to success.
At Home Legal Group, PLLC, all of our debt negotiators are attorneys. The expert debt attorneys we use to help you settle your credit debts, deal with hairassing creditors everyday. Negotiating with creditors is the focus of our firms practice, and we negotiate settlements every single day.
As experts in this specialized area of legal practice, we know the laws that govern credit and collections. We know which fees creditors are allowed by law to charge and which ones they are not. They will make sure that your creditors follow the law. We will require validation of each debt prior to settlement.
Our credit card debt settlement attorneys have years of experience, knowledge of the practices of various creditors, and thousands of past settlements to draw upon in negotiating a settlement of your debts.
Michigan Deed In Lieu
A deed in lieu of foreclosure Michigan means that you are giving your home back to the lender. A deed in lieu of foreclosure is one alternative to losing your home in a foreclosure. Foreclosure is the legal process the lender has to take the house back and sell it to someone else. Typically, a homeowner will decide to give the home back to the lender when they can’t keep up with the mortgage payments. In other words, maybe they have missed too many mortgage payments or owe more than what the house is worth and don’t want a foreclosure on their credit history. Therefore, in exchange for the house, your lender agrees to cancel the loan. If the foreclosure process has already started, then the lender will promise to withdraw the complaint.
There are potential disadvantages to a deed in lieu of foreclosure. For example, a lender may not agree to take the property back. If this occurs, then you may have to prepare a quitclaim deed to transfer the property rights back to the lender. Another disadvantage is if you don’t get the lender’s promise in writing to forgive the deficiency. The deficiency is amount of money left after the lender sells your home. If you don’t get the promise in writing, you may owe the deficiency amount.
A deed in lieu of foreclosure is very complicated. Thus, before making any decision, you should contact us for a free consultation!
Please call us to schedule your free consultation
1-248-955-3031
Home Legal Group, PLLC
1877 Orchard Lk Rd Suite 104
Sylvan Lake, MI, 48380
Michigan Foreclosure Defense Firm
Michigan Loan Modifications, Deed in Lieu, Bank Workouts
By submitting this form, you authorize Home Legal Group, PLLC to contact you at the telephone number or email provided for this inquiry, even if you have previously registered on a Do Not Call registry. You agree we may use an auto-dialer to reach you. Any cellular/mobile telephone number you provide may incur charges from your mobile service provider.PRIVACY POLICY HERE
