Homeowner Mortgage And Foreclosure Assistance
The Dessaules Law Group, a real estate law firm based in Phoenix, Arizona, offers affordable counseling and representation for individuals facing the threat of foreclosure. As the U.S. economy continues its downward spiral, more and more homeowners are finding themselves in a situation where they are unable to pay their mortgage, facing foreclosure, but unable to find someone at the bank or mortgage company who will even listen to their plight. Our firm assists homeowners in this unfortunate situation with understanding the legal issues and implications of possible foreclosure and attempts to structure an individual resolution that eliminates the stress and allows homeowners to move on with their lives.
The causes for economic distress vary among individuals. Maybe you recently lost your job due to downsizing or lay-off. Maybe a personal or family illness has left you unable to work. Maybe you were the victim of a predatory lending practice or an Adjustable Rate Mortgage (ARM) that has adjusted beyond your current financial means. Or maybe you just took out some of your home's equity only to find that you are now upside down in your house. Whatever the initial reason a homeowner started falling behind, homeowners who get behind in their payments often find it impossible to get caught up and end up paying too much late fees, interest, and other charges. Most homeowners don't know that there are options available to them and they do not know or understand their rights.
Our firm is experienced in counseling and assisting distressed homeowners who are usually in some state of pre-foreclosure or default. Our firm counsels homeowners on the legal issues involved in foreclosure to help you decide whether foreclosure is the right option for you. Although foreclosure is always a possibility, it is not the only choice and certainly may not be the right choice for you. Can a lender sue you to obtain a money judgment against you? The answer in Arizona varies depending on the type of loan, the purpose of the loan and the type of property.
In addition to foreclosure counseling, our firm assists homeowners with deeds in lieu of foreclosure, loan adjustments and modifications, and negotiations with lenders, banks and mortgage companies. Many of the homeowners we meet express frustration that they cannot find someone to talk to or spend hours on the telephone being shuffled around from person to person, telling their story multiple times, but never getting the "right" person. Or, they don't know how to fill out the paperwork correctly to get what they need or want. In many cases, a mortgage company may be agreeable to modifying your mortgage, reducing your monthly payments and you may be able to stay in your home! Because a mortgage lender has no motivation to assist you in saving your house (and your credit), however, it makes sense to hire an attorney who represents you and looks out for your interest.
Although we cannot guarantee or predict a particular outcome, we will work hard for you to achieve the desired result. We offer affordable representations to homeowners facing foreclosure and looking for alternatives. Contact us today at 602-274-5400 602-274-5400 to schedule a consultation to discuss your options.