Pittsburgh Bankruptcy Attorney Call Us | Phones Answer 24/7 CALL 412-235-1721
Pittsburgh 412.235.1721 Greensburg 724.591.5337
Pittsburgh Bankruptcy Attorney Call Us | Phones Answer 24/7 CALL 412-235-1721
Pittsburgh 412.235.1721 Greensburg 724.591.5337
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 Despite the percentage of homeowners in default, mortgage servicers' only process to resolve these issues has been an outdated manual application process or to pursue foreclosure.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.
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.
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.
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.
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.
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
2009 Mackenzie Way
Regus Suite 100
Cranberry Twp PA 16066
Phone: 724.591.5337
1903 West 8th Street
PMB 217
Erie, PA 16505
Phone: 814.746.4677
608 3rd St
Beaver PA 15009
Phone 724.591.5337
1301 Allegheny St
Hollidaysburg, PA 16648
Phone: 814.746.4677
116 N Main St Suite #7
Greensburg PA, 15601
Phone: 724.591.5337
647 Philadelphia St. (5th Floor)
Suite 50
Indiana, PA 15701
Phone: 724. 591.5337
319 Washington St,
Johnstown, Pennsylvania 15901
Phone: 814.746.4677
1627 Union Ave
Natrona Heights PA 15065
Phone: 724. 591.5337
118 S. Kimberly Ave.
Somerset, PA 15501
Phone: 814.746.4677
90 W Chestnut St
Washington, PA 15301
Phone: 724.591.5337
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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