People lose jobs, experience sudden health issues, and encounter a variety of unforeseen challenges. If your life has changed financially since taking out your mortgage loan, it can be a struggle to keep up with payments.

Chapter 13 bankruptcy can be a valid option to getting you back on track, but it may not be right for you at this time. In this case, a loan modification might be your best solution.

Get Your FREE Mortgage Loan Modification Consultation Now!

GET STARTED

What is a Loan Modification?

If you’re behind on your mortgage payments (either your first or second mortgage), a loan modification enables you to negotiate with your lender to reduce your interest rate, extend the loan, or even entirely change the type of loan.

How Does a Loan Modification Work?

You must be experiencing financial hardship and you have to apply with the help of a loan modification attorney. In certain situations, there are also government programs that can help you get a loan modification. Contact Middlebrooks Shapiro today for your free consultation to discuss your options.

Why Do I Need an Attorney to Help With My Loan Modification?

Having an experienced attorney to help you is important. Lenders are not looking out for your best interests and they want the money you agreed to pay in your original contract. An attorney can fight for you and help you get the best outcome possible for your specific situation.

About Middlebrooks Shapiro

Getting a loan modification is challenging and complex. Many variables must be carefully considered before applying, and an experienced attorney can help make a positive impact.

Attorney Melinda D. Middlebrooks and Attorney Joseph M. Shapiro have over 30 years of experience in debt resolution. From our office in Union County, NJ, we help clients with the most basic or complex cases by leading you through the legal process.

Call 973-218-6877 to speak with the experienced loan modification attorneys of Middlebrooks Shapiro. They’ll ensure you get the perspective you need to understand the full picture and the guidance to have success.