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Mortgage Rates Driving You Out of Your Home?If an ARM interest rate adjustment, a drop in your home's value, or another issue has made your mortgage payment too high, get help right away. We may be able to prevent foreclosure, or at least limit the damage to your credit. | Many people in Florida bought investment property during the housing boom, only to lose out now that prices are lower. If you are facing foreclosure, excessive medical bills or credit card debt, you need to know: you can file for personal bankruptcy. We can help. Contact us now. |  |
If you are facing foreclosure on your home or are constantly being hounded by bill collectors, you may be looking at filing bankruptcy to get debt relief. You need an attorney who is experienced in bankruptcy and who can give you sound advice on how best to resolve your debt situation and limit the damage to your credit. You need The Marin Law Firm, P.A., in Orlando.
My name is Carmelina Marin. I work closely with people in Orange County and throughout central Florida who are considering filing for bankruptcy protection. Contact me for a confidential consultation.
I handle both Chapter 7 and Chapter 13 personal bankruptcy, and I also counsel clients about their options. If an alternative to bankruptcy could be best for you, I can help you find it. I may be able to negotiate with your creditors for lower payments or interest rates, or I could refer you to a credit counselor. If bankruptcy is best for you, I will help you choose the best bankruptcy option you qualify for.
Worried about the new bankruptcy law? Don't be. The vast majority of people still qualify for either Chapter 13 or Chapter 7 bankruptcy relief.
Many of my clients first come to me with concerns about the possible foreclosure of their home. Adjustable Rate Mortgages (ARMs) and plummeting real estate values are driving many Floridians out of their homes. If you haven't waited too long, there may be real options available to protect your home and avoid foreclosure. In most cases, the bank does not want to take your home. Foreclosures are rarely profitable for the banks.
I have a number of different ways to negotiate with your bank. In many cases, the bank will agree to a reaffirmation of your debt. We work to negotiate a change in the terms so that your mortgage is more affordable. Even if we can't keep you in your home, we may still be able to limit the damage to your credit by negotiating a deed in lieu of payment.
Even if it is too late to save your home, filing for bankruptcy may still be beneficial. After a foreclosure, most people still owe the bank money. This can happen in several ways: 1) when the value of your home dropped between the time you took out the mortgage and when you sold your home or were foreclosed upon; 2) if you borrowed money against all of the equity in your home; 3) if you have no equity in the home. If the bank cannot recover the entire mortgage, you still owe the bank the unpaid balance.
If you still owe a mortgage balance on a home you no longer own, filing for bankruptcy could wipe out that debt or make paying it off much easier. This could start you back on the path to good credit.
Reasons for filing for bankruptcy protection can vary. You may have extensive medical bills as the result of illness or personal injury. You may not have access to disability insurance or medical insurance. Many people end up saddled with significant debt after a divorce. Others have experienced a period of joblessness that ate up their savings and exceeded their credit card limits.
I will help you weigh the benefits and downsides of filing for Chapter 7 or Chapter 13 bankruptcy relief. I will explain which plan or plans you qualify for and handle your case from beginning to end.
Often, my bankruptcy cases are referred to me by satisfied clients, or clients who first came to me for counsel in a divorce or family law matter have returned years later for help with their debt. My goal is to help you get back on your feet as quickly as possible—and permanently.
If you are facing home foreclosure or are unable to keep up with your bills, contact me for a confidential consultation to discuss your options.
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501 North Magnolia Avenue | |
At The Marin Law Firm, P.A., in Orlando, we represent clients throughout central Florida in communities such as Orlando, Kissimmee, Winter Park, Casselberry, Fern Park, Oviedo, Altamonte Springs, Sanford, Daytona Beach, Deland, Debary, Deltona, Lake Mary, Longwood, Maitland, Windermere, Bartow and Lakeland.Orange County | Osceola County | Seminole County | Volusia County | Lake County | Polk County | |
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. |  | |
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