Foreclosure Lawyer Oklahoma City, OK
One of the biggest heartbreaks that any of my clients face is losing their home to foreclosure. Faced with losing the family home, many marriages end, and families break apart. The surprising thing to me is just how close most people are these days to having one relatively minor life event like an illness, injury or layoff from work completely disrupt their life which can often end in the missing of a mortgage payment or two and then a foreclosure lawsuit.
To make matters worse, mortgage companies are often unhelpful and can even be downright uncaring to your situation. They rarely care about the circumstances that led you to get behind and instead only want you to pay thousands that you don’t have. And even when the mortgage companies offer programs like modifications, they can make the process so difficult and burdensome that people rightly give up. Well, don’t give up! Contact a foreclosure lawyer Oklahoma City, OK residents trust from Marty Martin Law.
When you call us, we will get you in quickly for a free consultation to discuss your options. Many people don’t realize that even if you have missed multiple months of mortgage payments – you can still save your home. How? A Foreclosure Lawyer in Oklahoma like our firm can provide you up to 60 months under A Ch. 13 Bankruptcy in which to pay the missed back mortgage payments that have been missed – often interest-free.
For example, let’s say that your mortgage is $1,000.00 per month. Let’s say that you were laid off from your job for 3 months and just started a new job and will be 4 months behind before your new income kicks in which would enable you to resume payments. Most likely, when you contact your mortgage company to try and resume payments, they are going to tell you that they can no longer accept any single monthly payments and demand the full 4 months’ of payments along with late fees, penalties and perhaps attorney fees. That would be nearly impossible to most folks. Under a Ch. 13, you can divide up the total amount that you are behind and pay that over a 60-month period with the guidance of a Foreclosure Lawyer in Oklahoma City, OK.
Even if the mortgage company has already filed the foreclosure all may not be lost. Once a foreclosure has been filed, the mortgage company must get an order from the court which can take at least a month if not several. Once the order is granted, the mortgage company must then schedule and conduct a sheriff’s sale of the property and confirm that sheriff’s sale. The whole process can take several months. Up until the last day of the confirmation of the sheriff’s sale, you can still hire a Foreclosure attorney in Oklahoma City like Marty Martin Law and save your house. Please call or email us today for a no-cost consultation.