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Strategies To Solve Financial Trouble And Keep Your Home

When the monthly payment exceeds your budget, mortgage payments may fall behind. This can happen as a result of job loss, divorce, serious illness and other life events. Avoiding foreclosure is becoming difficult, but there are solutions. At Goering & Goering, LLC, our foreclosure attorneys can help clients stop home foreclosure in Southern Ohio, and Northern Kentucky. We have been representing clients with a variety of bankruptcy issues since the 1960s and have the skills and knowledge to diligently help clients find viable solutions to financial problems, so they can a secure financial future.

Dealing With Banks During Foreclosure? You Need Us

Mortgage delinquencies reached an all-time high during the economic recession and foreclosure continues to affect millions of American families. It can be frustrating to deal with the bank to try to refinance or get better terms. Many people make the mistake of not contacting a bankruptcy lawyer when going through the foreclosure process, but this can be an effective way to avoid foreclosure. We understand the laws and how to navigate the various processes during a foreclosure. Let our attorneys put their extensive knowledge and skills to work for you.

Stopping Foreclosure Through Bankruptcy

Receiving a foreclosure notice can be stressful. Filing an emergency bankruptcy petition can stop the foreclosure process and even a sheriff’s sale. This can give you additional time in your home and allow you to take steps to save your home. Our foreclosure lawyers have decades of experience guiding clients through the bankruptcy process and helping them save their homes.

Filing a petition for bankruptcy can:

  • Stop the foreclosure process
  • Provide more time to negotiate with the mortgage lender
  • Prevent the lender from selling your home

Our Cincinnati foreclosure lawyers can explain the home foreclosure process and your options at any stage of the foreclosure process. We recommend that you come in sooner rather than later, so our attorneys have more time to help you plan an effective strategy.

Our clients are often able to keep their homes, but we also take the time to explain all alternatives so you can make an informed decision.

Do You Lose All Equity In Foreclosure?

Equity is the portion of your home that you own. As you pay your mortgage each month, you own a % more of your home each time. If your home is undergoing foreclosure and there is money left over at the end of the process (all fees paid), you do get to keep that equity.

But, as payments are missed and bills add up, equity gets taken out of your home, lowering your end equity amount. Additionally, with other fees needing to be paid, you may not come away from the foreclosure with much, or any, equity as it may be used during the process.

How Long Can I Stay In My Home After Foreclosure?

From the time that you are informed of the foreclosure until the time that your home sells, you have the right to remain in it. The amount of time could range anywhere from a couple of months to over a year, depending on your unique situation.

We Can Help You Avoid Foreclosure

In order to work toward preventing foreclosure, let our skilled bankruptcy lawyers help you. Call Goering & Goering, LLC, at 513-838-2407 to schedule your free consultation with a foreclosure attorney.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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