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New Jersey Loan and Mortgage Modification Lawyer

If you are unable to keep up with your mortgage or loan payments because of debt, you may be looking to bankruptcy for an answer. However, your biggest problem could be the loan itself. In many cases, you can work with your creditors to come up with loan or mortgage modification that works for both parties.

I am attorney Joel R. Spivack, and from my Cherry Hill law office I have been helping people like you get the debt relief they deserve through bankruptcy and loan modification for nearly 25 years. I can help you explore your options, knowing that something as simple as a mortgage modification could save you from foreclosure. Call my office at 856-861-6203 for an experienced New Jersey loan and mortgage modification attorney.

Bankruptcy Alternatives to Avoid Foreclosure in New Jersey

From the moment I start working for you, I will begin working with your creditors to see if we can come up with a better plan. While creditors typically do not want to lower interest rates or monthly payments, if you file for Chapter 7 bankruptcy they may receive nothing at all. That is why creditors are often open to the possibility of loan or mortgage modification.

Loan modification and mortgage modification are just two types of bankruptcy alternatives. The most important thing to know is that you do have options. Whether you can adjust your loan or simply devise an affordable payment plan, there are ways to avoid foreclosure and to pay down your debt without bankruptcy.

We may also consider bankruptcy as an option. It is my goal to provide you with practical long-term solutions. Chapter 7 bankruptcy and Chapter 13 bankruptcy may give you the fresh start you need to get back on your feet.

Contact a Cherry Hill Bankruptcy Attorney for a Free Consultation

A simple mortgage or loan modification could save your home and ease the burden of your debt. Located near the Cherry Hill Mall, my office is open weekdays from 8 a.m. to 5 p.m. and offers free parking. Contact me today at 856-861-6203 or toll free at 866-488-2196 for a free initial consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Client Testimonials

"Joel was very thorough in every aspect of preparation, presentation and representation of our very complex bankruptcy case. Joel and his staff
were extremely reponsive to our questions and concerns and made us feel that we were their most important client. Joel gave us every option
to consider and his objectiveness was a check and balance to our emotional perspective of our situation. In court Joel had a tremendous
rapport with the judges and court administrators which gave us great confidence in expecting a favorable outcome..." [read more]

JOHN / BANKRUPTCY

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