New Jersey Foreclosures Lawyer
Foreclosure. It is a word no home owner ever wants to hear, but these days it is becoming more and more common. While you may not be able to keep up with your mortgage payments and interest, that does not mean you have to be the victim of foreclosure. At the Toms River and Neptune offices of William H. Oliver Jr., Attorney at Law, we help people throughout New Jersey stop foreclosures and keep their homes through bankruptcy and work-outs.
You Can Be Debt Free
Contact William H. Oliver Jr., Attorney at Law for a Free Initial Consultation
In most cases, it takes at least a year for the bank to foreclose on a property. During that time, there are multiple things you can do to take action and save your home. Many times, circumstances change and people find ways to make payments they could not have made at the initial notice. Things could also change, allowing you to pay the amount owed in arrears.
At the offices of William H. Oliver Jr., we will answer your foreclosure questions and help you understand your options, so you can keep your home while doing what is best for your family or business. We provide our clients a number of different options, including bankruptcy, work-outs, and loan modifications.
Options Besides Bankruptcy
Bankruptcy is not your only option when it comes to preventing foreclosure. Many clients are able to avoid bankruptcy and still stop foreclosure through work-outs and loan modifications. Many New Jersey banks servicing mortgages are allowing loan modification on adjustable rate mortgages, in an effort to slow down the number of foreclosures. We will take a look at your situation in order to help you understand your full range of options.
Stopping Foreclosure Through Bankruptcy
For many clients, foreclosure is just one pressing financial concern. By filing for bankruptcy, you can put a stop to foreclosure and receive additional debt relief. We help our clients stop foreclosure with the following types of bankruptcy:
Do not wait to put a stop to the foreclosure of your home. We are ready to answer your questions and take action so you can stay in your home. Open during weekly business hours, we offer Saturday and evening appointments as well. Contact us today for a free initial consultation.