In Foreclosure? You Have Real Options.

If you could reduce or eliminate your other debts, would you be able to afford your mortgage? Many of my clients are burdened by huge credit card bills that make it almost impossible to stay current on mortgage payments. In this case, filing for bankruptcy under Chapter 13 may be a real option for getting your finances back on track.

My name is Stephen Jerome. Whether you have found yourself overwhelmed by debt and stuck with a mortgage you can't afford in Palm Beach, Fort Lauderdale, or Miami, I can help you find a way to get out of debt and still save your house. Time is of the essence, and I can help buy you time in order to work out a short sale or a mortgage modification or to lower your debt so that you can stay in your house longer.

When you call my office in Pompano Beach at 954-946-0916 for a free consultation, you can rely on me to give you the honest answers and straightforward advice you need in order to make the best, most informed decision as to how to proceed.

When Should You Contact a Lawyer?

Immediately. Once you have received a notice of foreclosure, the clock is ticking and only quick action can preserve your options and protect your house. Ideally, you should sit down with an attorney or a reputable financial counselor as soon as you know that there is going to be a long term problem keeping up with your mortgage.

In some cases, debt negotiation may offer one powerful alternative to filing for bankruptcy. Renegotiating your mortgage may even prevent the situation from getting bad enough that you have to act swiftly to stop a foreclosure.

If, however, the truth is that you simply cannot afford your mortgage due to illness, job loss or other economic downturn, it may be that stopping the foreclosure is not the right choice for you. You need an attorney who will tell you the truth and help you make the best decision for your long term financial health and security.