Mortgage Modification Assistance

Keep Your Home and Find Financial Relief — With or Without Bankruptcy

At Bankruptcy Near Me, we understand how stressful it can be to fall behind on your mortgage. Whether you’re struggling with rising payments, job loss, or unexpected hardship, you don’t have to face it alone. Our experienced attorneys help homeowners negotiate directly with their mortgage lenders to reduce payments, modify loan terms, and stop foreclosure — often without filing bankruptcy, or as part of a bankruptcy case for added protection.

What Is a Mortgage Modification?

A mortgage modification is a permanent change to your loan terms that makes your monthly payments more affordable. This may include:

• Lowering your interest rate

• Extending your repayment term

• Adding missed payments to the end of your loan

• Converting an adjustable-rate mortgage into a fixed-rate loan

A successful modification can stop foreclosure, stabilize your finances, and help you keep your home long-term.

Modification vs. Bankruptcy — or Both

Every situation is unique. Depending on your financial picture, we may recommend:

🔹 Mortgage Modification Instead of Bankruptcy

If your primary challenge is your mortgage — not credit cards, medical debt, or other unsecured obligations — a direct loan modification may be all you need. We’ll help you present the strongest possible application to your lender, supported by detailed financial documentation and hardship explanation.

🔹 Mortgage Modification During Bankruptcy

If you’re already in or considering bankruptcy, a loan modification can often be done concurrently under the protection of the automatic stay, which halts foreclosure.

• In Chapter 13, you may continue paying your mortgage while pursuing a modification through court-approved programs.

• In Chapter 7, a modification can still be explored with your lender after filing, to help you retain your home.

Our firm has extensive experience handling dual-track strategies — pursuing both bankruptcy relief and mortgage modification — to achieve the best possible outcome for our clients.

How We Help

When you work with Bankruptcy Near Me, we:

1. Review your loan documents and payment history.

2. Analyze your income and hardship to build a persuasive modification request.

3. Communicate directly with your lender or mortgage servicer.

4. File any necessary court motions if your case is in bankruptcy.

5. Follow up persistently to ensure your modification is reviewed fairly.

You’ll have a dedicated attorney guiding you through every step — not just a paralegal or processor.