Fort Lauderdale Home Owner's Lawyer
A Realistic Approach in Difficult Times
The reality of home ownership, especially in a Florida real estate market that continues to struggle, is that many people are unable to afford to make their mortgage payments. Owning a house comes with so many expenses, such as maintenance and insurance, that at some point people start making choices about which bills to pay and which not to. Eventually, the result in many instances is that debts pile up and creditors start making phone calls.
At the Law Offices of Michael H. Johnson, P.A., in West Palm Beach and Fort Lauderdale, we offer practical, realistic advice to people who are feeling the crush of overwhelming debt. We have more than a decade of experience helping South Floridians get control of their finances and get the fresh start they need. When you come to us with concerns about your home, you will get straightforward, honest advice, even though it may be difficult to hear. Our goal is to help you and your family move forward into a brighter future, free of debt problems.
To arrange a free initial consultation with a skilled Fort Lauderdale home owner's attorney, please call 954-519-4653. You can also contact our law firm online. We offer flexible payment options, and we answer phones 24 hours a day. Evening, weekend and off-site appointments are available, and our phones are answered 24 hours a day, 7 days a week.
Home Ownership Reality in Florida
People across the region are struggling to pay their mortgage. Often, they resort to using credit cards for other expenses because most of their real income goes to the house payment. Many people were also convinced to take out second mortgages on their homes when times were good. Now, the value of their real estate has plummeted and the owner is stuck with two mortgages.
If you find yourself in a situation like this, it may be time to consider bankruptcy as an option. Filing bankruptcy, whether Chapter 7 or Chapter 13, will immediately stop foreclosure actions and buy you time to consider your options, which may include:
Selling your home: This allows you to use the proceeds from the sale to repay the bank and keep any excess equity for yourself.
Voluntary surrender: You could allow the bank to take back the home, which frees you of a financial obligation that you can no longer afford. With this process, a foreclosure will not appear on your record.
Keep your home: Through the Chapter 13 program, we may be able to remove second mortgages and home equity loans that may be detracting from your ability to pay your first mortgage. We can also consolidate, restructure and prioritize credit card debt, medical bills and other forms of debt, which allows you to focus on your mortgage and stay in your home.
The thought of leaving the family home is an emotional one, and one that should not be taken lightly. At the Law Offices of Michael H. Johnson, P.A., we provide compassionate counsel that is in your long-term best interests. If it would benefit you to leave your home, we will work hard to ease your transition as much as possible.
Contact a Home Ownership Attorney for A Free Consultation
If you are struggling to make mortgage payments and keep up with all the expenses incurred by homeowners in South Florida, you are not alone; and you can get help. Call 954-519-4653 to speak with a skilled lawyer today. You can also contact our law firm online. Your initial consultation is free.
We maintain offices in Fort Lauderdale, Boca Raton and West Palm Beach. Evening, weekend and off-site appointments are available. We offer flexible payment options, and we answer phones 24 hours a day.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.