Helping Clients Keep Their Homes and Protect Their Credit Ratings
If you are one of the many homeowners in Minnesota with an underwater mortgage that you cannot afford to repay on schedule, you could be facing the serious consequence of foreclosure. It is never too early to discuss your situation with an experienced attorney.
At Graham Butler Law Office, we help clients in the Twin Cities fight foreclosure. Roseville foreclosure defense lawyer Graham Butler assists clients with all of the following options:
- Foreclosure litigation: If you have received a notice of foreclosure or been threatened with foreclosure in any other way, we can investigate any defenses you may have, including the possibility that the bank engaged in "robo-signing" or other improper behavior.
- Loan modification: Trying to negotiate with your bank on your own can be frustrating. Mr. Butler understands the loan modification process and can help you pursue a modification under the Home Affordable Modification Program (HAMP) procedures.
- Short sales: If you are prepared to give up your home but cannot sell it for more than the amount you owe, it is important to consult with an experienced lawyer in order to make sure you do not unexpectedly get stuck owing a deficiency balance on your loan.
- Chapter 13 bankruptcy : If you have fallen behind on your mortgage, filing for Chapter 13 bankruptcy may help you stop foreclosure, get caught up with your arrears, and eliminate other debts that are interfering with your ability to pay your mortgage.
As an attorney with extensive real estate and bankruptcy experience, Mr. Butler does not take a one-size-fits-all approach to foreclosure. He will carefully evaluate your specific situation and advise you on your options for keeping your home and/or protecting your credit rating.
Call an Experienced St. Paul Loan Modification Lawyer at 651-964-6052
The mortgage crisis and depressed housing market have affected people from all walks of life. If you are stuck in an upside-down mortgage or worried about foreclosure, attorney Graham Butler can help. To schedule a meeting, please contact us at 651-964-6052 or by e-mail.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.