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Loan Modification | The Jacobs Law Group

Don’t Go it Alone When You Modify Your Loan

Many people facing financial difficulty are burdened by unfair mortgages or were made promises by the lender that have not been kept or are simply underwater and there is no end in sight. If you face this situation you may consider approaching your bank and requesting a loan modification.

You do not need an attorney to help you modify a loan. You can do it yourself. But there are benefits to having an attorney represent your interests in this process.

When dealing with loan modifications there are many calls you receive and documents the lender sends that can be confusing. If you are not trained in the law you may miss an important issue buried in the paperwork and if you are not familiar with the process you may think the documents sent mean one thing and they mean another.

An attorney with experience in this area will be familiar with the parts of your case that the bank will focus on and the parts you would think are important but are not. You need to make sure your interests are protected. Working with someone who has done a number of loan modifications will allow you to benefit from their experience.

Banks may delay this process (intentionally and unintentionally) and many homeowners get frustrated by these delays. A good attorney can help cut through some of these issues and will often have more success in getting the right person on the phone to negotiate a better deal.

Fighting for a home loan modification is much like going to court. You may think you are saving money by representing yourself, but in the end you may get nothing and face serious financial consequences. If for nothing else, use us to help you understand the benefits and consequences of the different alternatives.

WHATEVER YOU DO, DO NOT WALK AWAY FROM YOUR HOME AND TAKE A JUDGMENT WITHOUT TALKING TO AN ATTORNEY SPECIFICALLY EXPERIENCED WITH FORECLOSURE ALTERNATIVES. THAT IS THE WORST THING YOU CAN DO. YOU WILL HAVE A JUDGMENT THAT SITS IN THE PUBLIC RECORDS FOR AS LONG AS 20 YEARS AND THEY CAN GARNISH YOUR WAGES, FREEZE BANK ACCOUNTS AND OTHER ASSETS AND CREATE FINANCIAL HAVOC.

Do not do this unless you have spoken first with a lawyer who understands the process well and can properly advise you.

If you are facing a possible foreclosure due to a financial hardship, you don’t have to go it alone. Call the law office of Russ Jacobs today and have a qualified professional look at your loan.


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