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Willis & Associates
LET OUR FAMILY HELP YOUR FAMILY

Willis & Associates LET OUR FAMILY HELP YOUR FAMILY Willis & Associates LET OUR FAMILY HELP YOUR FAMILY Willis & Associates LET OUR FAMILY HELP YOUR FAMILY

Pittsburgh 412.235.1721 Cranberry 724.591.5337

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Pittsburgh 412.235.1721 Cranberry 724.591.5337

Willis & Associates
LET OUR FAMILY HELP YOUR FAMILY

Willis & Associates LET OUR FAMILY HELP YOUR FAMILY Willis & Associates LET OUR FAMILY HELP YOUR FAMILY Willis & Associates LET OUR FAMILY HELP YOUR FAMILY
  • Home
  • Bankruptcy
  • Mortgage Modification
  • Student Loans
  • Chapter 13 Bankruptcy
  • Chapter 7 Bankruptcy
  • Business Bankruptcy
  • Foreclosure Defense
  • Our Firm
  • Success Stories
  • Bankruptcy Blog
  • Office Locations

Mortgage Modification Services Chapter 7 Bankruptcy

Mortgage Modification Services

  

Even before the pandemic, consumers faced unexpected life challenges that made paying their current mortgage difficult. Despite the percentage of homeowners in default, mortgage servicers' only process to resolve these issues has been an outdated manual application process or to pursue foreclosure. 


As one of Western Pennsylvania’s most experienced bankruptcy and foreclosure defense firms, we have worked with clients in every stage of the mortgage default process. We intimately understand why so many people fall behind on mortgage payments and how traumatic the loss of a home can be. 


In an effort to help keep families together and protect the homesteads of hard-working Western Pennsylvania’s residents, our law firm has recently expanded our services to include Mortgage Modification Services. By combining our experience helping clients navigate life’s most difficult financial situations with innovative technology, we are able to assess your situation and apply for a modification based on the mortgage servicer’s specific criteria. 


Mortgage Modification Eligibility 


If you have missed mortgage payments or are more than 90 days in arrears, a consultation with a member of our staff is the first step towards determining if you qualify. During the consultation, we will gather information about your income, expenses, mortgage lender, and servicer. 


After the assessment, we will provide you with your options. In some cases, filing bankruptcy may be the best course of action to keep your home and modify your mortgage. However, every case is different and outcomes can be impacted by a variety of factors. This is why it is critical you work with a law firm that has bankruptcy and mortgage modification expertise.  


The Mortgage Modification Process 


When we have agreed on the best path forward, we complete the official mortgage modification application together. The technology platform our firm has invested in allows us to create a custom application specific to the demands of your mortgage servicer. 

When your house is on the line, the packet must be as complete and error-free as possible. In fact, errors and missing information is the number one reason why consumers who apply on their own often get no response or have their applications rejected. 


The Application Review Period 


Following the submission of your application, the servicer may respond with requests for additional information. In many cases, the lawyer plays a key role as your advocate shedding light on elements of your financial profile that impact your ability to pay the current monthly mortgage amount. 


Once the review is complete, the servicer will provide their decision. If your application is accepted, a new mortgage structure and monthly payment amount will be presented for you to agree to. If your application is denied, the servicer must provide a reason for the denial, and you and your attorney can discuss an alternative course of action. 


How to Get Started 


The most important decision you can make is to take action. In our experience these situations do not get better, they get worse. By taking a proactive approach with your mortgage servicer you make the first move. Don’t wait for a foreclosure letter to show up in your mailbox. If you know that your missed payments may be a problem, learn about your options as soon as possible.  Contact our office at Toll Free: 855.733.9455 Pittsburgh 412-235-1721 or email Help@westernpabankruptcy.com to schedule a 

confidential review with one of our experienced attorneys today. Offices in Erie, Pittsburgh, Cranberry Twp, Greensburg, Johnstown, Indiana and Somerset.

Bankruptcy Attorney Near Me - Pittsburgh Bankruptcy Attorney

 

CALL OUR OFFICE TODAY 


Pittsburgh:  

 201 Penn Center Blvd 

Suite 310 

Pittsburgh PA 15235

OFFICE: 412.235.1721

FAX: 412.542.1704

Appointment/Office Hours:

Monday - Friday: 9:00 a.m. – 5:30 p.m.

Saturday: 10:00 a.m. - 2:00 p.m

 

Cranberry Twp: 

2009 Mackenzie Way 

Regus Suite 100 

Cranberry Twp PA 16066 

Phone: 724.591.5337 


Erie: 

1903 West 8th Street 

PMB 217 

Erie, PA 16505

Phone: 814.746.4677


  Beaver:   

608 3rd St

Beaver PA 15009

Phone 724.591.5337 


Blair : 

1301 Allegheny St

Hollidaysburg, PA 16648

Phone: 814.746.4677


Greensburg: 

 116 N Main St Suite #7

 Greensburg PA, 15601

Phone: 724.591.5337


Indiana:

647 Philadelphia St. (5th Floor) 

Suite 50

 Indiana, PA 15701 

Phone:  724. 591.5337


Johnstown: 

319 Washington St,

Johnstown, Pennsylvania 15901

Phone: 814.746.4677


Natrona Heights:   

1627 Union Ave

Natrona Heights PA 15065 

 Phone: 724. 591.5337


Somerset: 

118 S. Kimberly Ave. 

Somerset, PA 15501 

Phone: 814.746.4677


Washington:  

90 W Chestnut St 

 Washington, PA 15301 

 Phone: 724.591.5337


Warren:  

 315 2ND AVE #306, 

WARREN, PA 16365 

Phone: 814.273.7511



  

*899.00 APPLIES TO INDIVIDUAL CHAPTER 7 

CASES ONLY ADDITIONAL FEES MAY APPLY CHAPTER 13 NOT INLCUDED 

  



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