Cherry Hill Short Sale and Home Foreclosure Lawyer

Even if you do not want to keep your house, you want to avoid foreclosure. A foreclosure can do serious damage to your credit and impact your ability to buy a home in the future. One of the most common methods of avoiding foreclosure is a short sale, which can be done within the context of a bankruptcy or even outside of a bankruptcy.

I am attorney Joel R. Spivack. I have more than 30 years of experience on my side, which means I understand the strengths and weaknesses of all available options, including short sales. I will educate you about those strengths and weaknesses, working with you to decide whether a short sale makes sense in your case.

What Is a Short Sale?

One of the biggest problems leading to debt and foreclosure is the decreasing value of homes. Many homeowners are stuck with mortgages that are higher than the actual value of their houses. If a house is sold for the actual value, the homeowner may still be held accountable for the difference between that value and the amount of the mortgage, unless a short sale is agreed on. A short sale is when the mortgage company lets the house be sold at the current value to satisfy the outstanding mortgage debt.

Lenders Want to Avoid Foreclosure Too

Why would a lender allow a short sale? Because it is in their best interest. Foreclosing on a house is expensive, and then they are left with having to sell the foreclosed property. That is work that they would prefer to avoid, and a short sale allows them to avoid it. However, that does not mean that they will agree to it outright. My role is to negotiate with them to ensure that you get through the process without having to incur any unnecessary costs or stress.

Schedule a Free Initial Consultation with a Cherry Hill Short Sale Lawyer

My office is open weekdays from 8 a.m. to 5 p.m. and offers free parking. Contact me today at 856-488-1200 for a free initial consultation with a Cherry Hill short sale attorney. You can also contact me by e-mail.

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

Our Client Reviews on Google

Results may vary depending on your particular facts and legal circumstances.

Destiny Waller

2022-03-06

Very grateful that we hired Joel for our home purchase! He was extremely professional and made the process smooth sailing. He always responded to our questions same-day and was happy to explain the process to us several times (which we definitely needed.) We weren’t sure we needed an attorney for purchasing a home, but we saved money and stress during the negotiation process, so certainly worth it. Thank you for your help Joel!

Caius Santos

2022-02-14

If you’re considering filing bankruptcy I highly recommend you use Joel Spivack. He is knowledgeable, courteous and professional. He guided me through the process and went through smoothly without any surprises.

Joe Delia

2022-02-02

Joel has had our back on more than one occasion. He's professional and personable. I called him on a Friday after hours and he called right back. Talk about peace of mind. I didn't have to sit on a problem over the weekend. He's helped us sort out some pretty sizable problems for a very reasonable fee. Hiring him was one of the best decisions we ever made.

B Lal khan

2022-01-25

I found Mr Spivack to be an extremely intelligent and compassionate attorney who helped us through a very difficult financial time. He handled our bankruptcy efficiently and made us very comfortable with our choice to file. I also felt that his fees were EXTREMELY reasonable compared to most bankruptcy attorneys. He even offered us follow up advice after the bankruptcy, if I were to need any. I would highly recommend Mr Spivack if searching for an attorney.

B Noshn

2022-01-25

Highly Recommend, Mr Spivak helped me with a very difficult situation that I was in. From the very first meeting with him, he explained everything to me clearly. He was always available to me and always return my calls or texts promptly. He always sent me any information that he received from the courts with an explanation.

Sandra Waite

2022-01-24

Joel Spivack helped us with our recent bankruptcy and I can't say enough great things about him. He was professional, responsive to our many questions and did not make us feel bad about having to file bankruptcy. He knows everything there is to know about the laws surrounding bankruptcy and guided us through the entire process. If you want someone who knows the law and will help you every step of the way, Mr. Spivack is the person to call.

Greg Clementi

2022-01-24

Helped me every step of the way, let me know all my options

Brian Speigel

2021-11-24

Dear sir , i had a good experience with you getting it done right and helping me with the process

joseph hoffman

2021-11-13

Mr. Spivak was experienced, knowledgeable, and understanding in representing us in a closing resulting in a successful transaction. I highly recommend him.

Damiana Padilla

2021-10-16

Joel has been a life saver. He has gone above and beyond our expectations. We made the mistake of not hiring a lawyer during attorney review and once we started having issues we hired Mr. Spivack. After speaking to him we knew he would help us through the rest of the real estate transaction. Joel did not disappoint he went above and beyond and gave us piece of mind. Thank you Joel for your professionalism and proficiency, we look forward to a continuous relationship.

See my ratings and reviews on AVVO and Lawyers.com.

Joel R. Spivack

NJ & PA Consumer Bankruptcy & Real Estate Transacations Attorney

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Cherry Hill Short Sale and Home Foreclosure Lawyer

What Is a Short Sale?

Lenders Want to Avoid Foreclosure Too

Schedule a Free Initial Consultation with a Cherry Hill Short Sale Lawyer

Our Client Reviews on Google

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