Bridgeport Real Estate Foreclosure Attorney

You have fallen behind on your bills. Credit card collection agencies are hounding you and your spouse on the phone. To stave them off, you make payments on the credit card arrears, but then you miss a mortgage payment or two.

Big mistake.

We can help you avoid or delay foreclosure.

Foreclosure is the worst thing that can occur on your credit report and should be avoided whenever possible. Bankruptcy can sometimes help you avoid real estate foreclosure. It will always slow down the foreclosure process.

If you are behind on your mortgage payments but the bank hasn't sent a real estate foreclosure notice yet, contact a bankruptcy lawyer at Volman Law at (203) 929-7771 to schedule a free initial consultation.

Connecticut Stop Foreclosure Lawyer

These hard economic times affect everyone. No one is immune. In a tight housing market, your house may be worth less than you owe. If you have suffered financial reversals, if your have lost your job, if your business has suffered a downturn, mortgage companies recognize these facts of life.

But you must act now to stop foreclosure. You cannot let the matter linger. If you are out of state, but your property is in Fairfield County, we can handle the real estate foreclosure matter for you. You don't have to return here.

Contact Volman Law at (203) 929-7771 to schedule a free initial consultation.

If you file for Chapter 7 or Chapter 13 bankruptcy, it will temporarily stop foreclosure, giving you time to consider your options, including:

• Participating in a repayment plan to get current on your existing mortgage
• Selling your home pre-foreclosure so you can keep any equity you've built in your home
• Allowing the bank to foreclose
• Refinancing

Bankruptcy may be the right answer for you to stop real estate foreclosure. It is very important to seek the counsel of an experienced bankruptcy attorney to help you to assess your legal options.

Contact Volman Law at (203) 929-7771 to schedule a free initial consultation.

Connecticut Statute on Mortgage Foreclosure on Unemployed Workers

If you are unemployed or underemployed and at risk of foreclosure there is a program that can be of help. If the home that is at risk of foreclosure has been your primary residence for at least two years, you have not had any foreclosure actions or emergency mortgage assistance in the last seven years, and you are not currently receiving emergency mortgage assistance. If you are currently working, to be considered as unemployed your income during the previous 12 months must have been $50,000 or less or less than 75% of your average income.

The foreclosure judge will decide if you are eligible to stop foreclosure under this program. If so, the court will restructure your mortgage so that your mortgage arrearage can be repositioned to the back of the loan within six months. The court may ask you to pay the lender up to 25% of your net income per month. If you are able to maintain your new, restructured loan for three months, then the house foreclosure action will be dismissed.

If you are facing foreclosure, or if you are behind on payments and are worried that foreclosure is next, contact Fairfield County, Connecticut, bankruptcy lawyers at Volman Law at (203) 929-7771. Your first consultation is free.

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From offices in Shelton, CT, the attorneys at Volman Law provide legal services throughout the state, including Fairfield, Hartford, New Haven Counties, and the communities of Greenwich, Stamford, Westport, Fairfield, Stratford, Shelton, Norwalk, Darien, New Canaan, Ridgefield, Monroe, Trumbull, Danbury, Bridgeport , Milford, West Haven, New Haven, East Haven, North Haven, Branford, Guilford, Madison, Ansonia, Derby, Seymour, Naugatuck, Oxford, Waterbury, Southbury, Watertown, Newtown, and Meriden