Foreclosure Defense Attorneys in South Jersey
Experienced Representation When You Face the Loss of Your Home
When you have fallen behind on your mortgage payments, it can feel like your life is rapidly spiraling out of control. Whether your lender has initiated foreclosure proceedings or is simply sending threatening letters, you may perceive your options to be limited. There are measures you can take, however, to get control of your financial affairs. The lawyers at Neuner & Ventura, LLP, can help.
At Neuner & Ventura, LLP, we offer nearly three decades of practice experience to people involved in or facing threats of home foreclosure proceedings. Attorney Steven R. Neuner has been recognized as a New Jersey Super Lawyer and has been rated 10.0, or “superb,” by Avvo. We don’t use a cookie-cutter approach, but take the time to listen carefully to the details of your situation so that we can maximize the value you get for your money and provide solutions that meet your needs.
Understanding Your Alternatives in a Foreclosure Proceeding
When you hire us to protect your rights in a foreclosure proceeding, we will fully investigate the facts and circumstances of your case so that we can identify all potential alternatives, including:
- Loan modification — We know that mortgage lenders prefer not to foreclose and repossess homes. Accordingly, we will review the terms of your mortgage and work directly with your lender, if possible, to determine whether you may be able to restructure your loan and avoid foreclosure. Whenever feasible, we will seek to waive late fees and penalties, and to refinance any arrearages so that you don’t start out with more debt than you can manage.
- Short sales — We will also work with your bank or mortgage company to see if it will let you short sell your home, an option that allows you to sell the home for market value even if it is less than what you owe. The key in a short sale, though, is making certain that you don’t remain liable for the difference between the market value and the principal balance on your mortgage, AND to understand the possible tax liabilities that can happen when your debt is discharged outside bankruptcy.
- Bankruptcy — In a Chapter 13 bankruptcy proceeding, you can seek to restructure your mortgage debt and keep your house. We can help you determine whether a bankruptcy filing is in your best interests. We can also explain some of the tax advantages of a bankruptcy discharge.
Contact the Attorneys at Neuner & Ventura, LLP
Take that important first step to getting your financial life under control. Call Neuner & Ventura at (856) 596-2828 or send us an e-mail to schedule an appointment. There is no charge for your first consultation. However, we reserve the right to charge a fee to review any work done by another attorney. Evening and weekend appointments can be scheduled upon request.
*Free consultation for individuals and most small businesses. A follow up meeting may be required. We reserve the right to charge for consultations involving review of existing cases, divorces or litigation.