Attorney in Seattle, Washington
Helping You Fight or Find Alternatives to Home Foreclosure
Whether you have fallen behind in your mortgage payments or are already in foreclosure proceedings, there are legal steps you can take to either keep your home or get yourself out from under your mortgage burden. You want an experienced lawyer to help you examine your options and make the right decisions, one who has helped others in similar situations.
At the Law Offices Calvin & Associates, we have over 10 years of experience protecting the rights of homeowners throughout south King County and the surrounding area. We take a straightforward and honest approach to legal issues related to foreclosure. We understand that a home foreclosure proceeding can be a source of embarrassment and maintain the strictest confidentiality throughout the course of our representation. Our offices are located in a residential neighborhood, providing you the privacy and protection you need. To arrange a free initial consultation, contact our office online or call us at 206-723-9355 or 206-767-4900 (in White Center).
Our Home Foreclosure Defense Practice
We offer clients a number of ways to avoid home foreclosure, including:
- Personal bankruptcy filing. Whether you seek to permanently discharge debts under Chapter 7 or enter into a reorganization or repayment plan under Chapter 13, filing for bankruptcy temporarily prevents a creditor from initiating or continuing any legal action based on a debt. You cannot discharge a mortgage through bankruptcy, but you may be able to buy enough time to get caught up. If you have enough equity in your home, you may be able to sell your home in the bankruptcy process and pay off all your other creditors. You may also be able to negotiate new mortgage terms that are more affordable.
- Home loan modifications. We can work directly with your lender to restructure or modify the terms of your mortgage, reducing the interest rate, extending the length of the mortgage, and rolling any arrearages into a refinanced amount.
- Short sale of your home. In some situations, we may be able to convince your bank or mortgage company to allow you to sell the property for less than the market value of the home and to discharge you from any further obligation on the loan. We don't actually negotiate the short sales, but use an agent to handle those often complex arrangements. However, if you short sell your home, you may have to recognize the amount forgiven as income on your personal tax return. We can help with those tax issues as well.
Contact the Law Offices Calvin & Associates
Regardless of the strategy you take, the most important thing to do when facing foreclosure is to act as quickly as possible. To set up a free initial consultation, contact us online or call us at 206-723-9355 or 206-767-4900 (in White Center). We schedule appointments 6 days a week, and evening and weekend meetings can be arranged by request. Visa and MasterCard are accepted.
Se habla español
