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Stop Foreclosure by Filing for Bankruptcy

Milford & Franklin Area Foreclosure Prevention Lawyer

Foreclosure: it's every homeowner's greatest fear. Unfortunately for hundreds of Massachusetts homeowners every year, it's a fear they have to face.

  • If you are behind on a house payment
  • If you have received a notice from your bank or mortgage lender threatening legal action
  • Even if you have been given a date to vacate …

You can still TAKE ACTION to improve your situation.

The moment you file for bankruptcy, any legal action against you is put on hold until the bankruptcy case moves through the court. By discharging or restructuring your debt, you may find that you can afford your mortgage again. Of you may use that time to transition to new housing.

Talk to a Metrowest foreclosure prevention lawyer at the Law Office of Raymond Mastroianni to see if declaring bankruptcy could help your foreclosure situation. Call (508) 473-8801 to schedule a free consultation.

Does the Bank Even Have a Right to Foreclose?

Just because your lender says you are in default, that does not mean you actually are. Ask for a detailed accounting of your loan. Check the accounting for attorneys' fees, late charges, amounts put into escrow and "forced-place insurance" or tax payments. Do you suspect that errors were made? Talk with real estate attorney Ray Mastroianni if you live in Franklin, Bellingham or any town in Metrowest, Massachusetts.

The law requires that lenders give homeowners written notice of their right to cure their mortgage default within 90 days of being notified of the default. Were you provided that notice? If not, we may be able to delay any legal action.

Can You Have a 2nd Mortgage?

If you are upside down on your house because of a second mortgage or a home equity line of credit, you may be able to discharge the 2nd mortgage with a bankruptcy filing. Have liens or attachments on your home prevented you from selling? A bankruptcy filing may be able to remove those liens.

Mortgage Modification

There are several new federal programs available to help people who are current on their mortgages but in financial distress or even upside down, owing more than their home is worth. Learn more about these mortgage modification or mortgage refinancing programs.

Talk with a Milford, MA Bankruptcy Attorney

Even if the bank has told you they are foreclosing, you don't have to move immediately. It takes time to evict you. Don't leave your home until you've talked to a lawyer. Contact our Milford law office or call (508) 473-8801.

  • Flexible Appointments Available
  • Home Visits
  • Free Initial Consultation

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Earlier this week I received the documents from you relating to discharging my credit card debt. Thank you for your great service, your kindness and the confidence you inspired. Initially, I found the process very upsetting and stressful, but was relieved once the process got started. It was also a comfort knowing that all the legal parts of this situation were being handled by you and your staff. Everyone was easy to work with. Thank you, and have a great fall. - Cindy F.
Framingham

Attorney Mastroianni thank you for your prompt response to my difficult financial situation. By educating me about my options I was able to work with you so that now on the other side of my bankruptcy having gotten the documents from the court yesterday. I feel lucky I found a lawyer who is professional but also easy to talk to and friendly. -Ned H.
Milford, MA

Without hesitation I will recommend you to my friends. Through bad luck I ended up in a financial situation I never thought I would be in. It was not easy to reach out to a lawyer and look at my options to deal with my debt but it became clear to me that working more hours in my job was never going to get me out of the situation I was in. My situation has turned out better than I could have imagined. I only wish I had done it sooner. - Julio S.
Franklin, MA

Thanks for all your kindness toward me and all the appreciated help. You helped change my life. - J.D. Metrowest

Contact

Free Consultations

Raymond M. Mastroianni
231 East Main Street, Suite 202
Milford, MA 01757

Local 508-473-8801 Cell Phone 508-400-1295 Fax 508-473-8821

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