Home and Debt Protection
Foreclosure Defense
Have you not paid your mortgage? Have you not paid your property taxes? Has the Bank, or another company, taken steps to foreclose on your home?
You are not powerless; you have options. Don’t watch your house get taken away. Let’s at least explore your options together. You may receive solicitations from people offering to ‘quick sell’ your home, or some similar deal that preys upon, and takes advantage of, your presently vulnerable situation. Without the proper protections, the outcome of a ‘quick sale’ is rarely good, and can result in a significant loss of your home’s equity or the possibility of a deficiency judgment hanging over your head.
Who can you trust? What do you do? What are your options? Should you fight? How much longer can you live in your house? Should you sell? Can you get a loan modification? Will you lose my home? Can you refinance? Will your credit be ruined? If so, how do you repair it? What about other debts? What if you owe the bank more than your house is worth?
We are lawyers, and as lawyers, we can answer your questions and discuss a full range of solutions to your present situation, including: Foreclosure Defense, Loan Modification, Forbearance, Reinstatement, Short Sale with waiver of deficiency balance, Relocation to a more affordable home, Bankruptcy, and Credit Repair.
Loan Modifications
There are literally thousands of websites, hotlines, and other establishments claiming to offer help with Loan Modifications. Most of these service providers do NOT have your best interest in mind. I do. What is your goal?-I want to keep my house forever;-I want to keep my house for a few years or as long as I can;-I want to sell my house;- I want to give my house back to the bank;Is your goal realistic? Is it achievable? These may seem like strong words, but we have been watching this sad phenomenon unfold since the very beginning, and it is simply shameful what some companies have done in taking advantage of people in their time of need. We hear from clients every single day who have fallen into this trap, and who have finally come to us looking for effective legal help with their Loan Modification.
Efficient Processing / Document Preparation - In our view, the banks have designed their Loan Modification departments to deliberately complicate the process simply to frustrate and discourage applicants. Galarza Law has overcome this effort by offering the best practices and technology. We will be glad to give you a tour of our incredible systems when we meet in our offices.
Multiple Legal Strategies - There is more than one way to get a Loan Modification approved. After handling hundreds of cases, and remaining determined to find a successful conclusion for every client, Galarza Law has discovered every legal strategy known for achieving a permanent Loan Modification. And the best attorneys in New York know that we have unique advantages in our state's courts that are enhancing our odds for success in every case.
You are not powerless. You have options. Don’t watch your house get taken away. Let’s at least explore your options together. I am sure you have already received many letters from people offering to “quick sell” your home or some similar offer that preys upon and takes advantage of your presently vulnerable situation. Without the proper protections, the outcome of a “quick sale” is rarely good and can result in a significant loss of the equity you put into your home and the possibility of a deficiency judgment hanging over your head, not to mention potentially ruining.
Bankruptcy
Are Creditors of Debt Collectors calling you? Are you facing a foreclosure, wage garnishment or car repossession? If so, this is a very stressful time in your life. Let us help you. Bankruptcy is one of Galarza Law's main areas of practice, and we can assist you in better understanding the benefits bankruptcy has to offer.
We offer a free Bankruptcy Consultation. We will meet with you to evaluate your debts and analyze your finances, give you advice and a solution to suit your needs. It is free. There is no obligation.
At the confidential consultation, we will review your situation and recommend a course of action. We will discuss whether bankruptcy is the best option for you, and if not, explore other options as well.
Items to Bring to Your Consultation:
In order for us to best advise you regarding bankruptcy, it is important for us to know all the details of your financial situation. We ask that you bring the following items with you:
- One recent bill from each creditor
- Any collection letters and law suit documents
- As many pay stubs as you can locate for the past six to eight months
- Tax returns for the past two years
- Drivers license and Social Security card