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  • Bankruptcy – The Public Record Which Appears on Your Credit Report

    Bankruptcy – The Public Record Which Appears on Your Credit Report

    Call: 888-297-6203

    Earlier three types of public records were reported on the credit report of any individual, however, now just one – bankruptcy is reported in the credit history. Bankruptcy is generally the last resort for people who have tried in vain to get rid of their debts. Lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, elaborate that different bankruptcy chapters can have different repercussions on your credit history.

    • In Chapter 7, the filer does not pay any debts; any non-exempt property they have is sold off to pay their creditors. This type of bankruptcy remains on the credit report for a period of 10 years.
    • Chapter 13 requires you to repay some portion of your debts through the repayment plan over 3-5 years’ time. This bankruptcy stays on your credit report for 7 years from the filing

    As court records are updated on a regular basis, any information related to bankruptcy also gets automatically updated on the credit report. The information is generally provided either directly from courts or through the credit reporting companies. In case you observe any discrepancy in the information, you could dispute the same by submitting proof via mail, phone or online to any of the credit rating bureaus. Once the information is verified, it is rectified and updated on your credit report. You can ask experienced bankruptcy lawyers to help you with problems related to a bankruptcy filing or discharge by calling 888-297-6023.


      *Are you more than 60 days past due on your mortgage?

      *Do you own a home?

      Are you currently working?

      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

    • Can Mortgage Amount Remain Despite Bankruptcy?

      Can Mortgage Amount Remain Despite Bankruptcy?

      Call: 888-297-6203

      Bankruptcy is complex and requires a lot of time to understand. Having an experienced lawyer like those of Los Angeles based bankruptcy law firm Recovery Law Group can be a huge asset. Managing various loans, filing papers and reaffirming certain debts can be quite confusing for the layman. Though, bankruptcy is considered to give you a way out from a huge amount of debts; yet sometimes certain debts might remain even after completion of your bankruptcy chapter. In the case of Chapter 13, individuals pay some portion of their debts through the repayment plan. These may include secured debts like mortgage or car loan, as well as unsecured debts like credit card bills or utilities and priority debts like alimony too. However, there are chances that the mortgage company might ask you for additional payment despite your bankruptcy discharge. This can be a point of contention.

      An individual can owe money to mortgage company even after bankruptcy discharge if they had reaffirmed the loan after filing for bankruptcy. In Chapter 13 bankruptcy Los Angeles, you agree to pay your creditors through the court-approved repayment plan over a period of 3-5 years. This provides your creditors with a percentage of the dues which was owed to them. You also have the option of reaffirming certain loans like auto loan and mortgages if you wish to keep your vehicle and home respectively by making regular payments towards it. Once the loan is reaffirmed it is no longer considered a part of bankruptcy and needs to be paid in full. If this happens, you might end up owing the mortgage company money even after your bankruptcy ends.

      However, if you had not reaffirmed the loan and it is being incorrectly reported, you can take steps to rectify the mistake. This can be done by sending a copy of your bankruptcy schedule “A,” your bankruptcy petition and the copy of bankruptcy discharge to any of the three credit reporting agencies. Once verification regarding the claim is done, account information is updated on your credit report. Additionally, you can also contact your mortgage company for a query related to the amount you are being asked. You might need legal assistance for this. To avail the expertise of experienced bankruptcy lawyers, you can give a call at 888-297-6023.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • Account Portrayal in Bankruptcy

        Account Portrayal in Bankruptcy

        Call: 888-297-6203

        Bankruptcy can adversely affect your credit report, this is a known fact. However, what most people are unaware of is, how the status of your accounts is affected after bankruptcy. In case any individual files for bankruptcy, the accounts included remain for seven years and are then deleted. According to Dallas based bankruptcy law firm Recovery Law Group , the various representations of the accounts included in bankruptcy are:

        • In the case of Chapter 13 bankruptcy, public records are discharged after five years from the bankruptcy filing date.
        • Accounts included in bankruptcy which were current, remain on credit report for seven years from the date of the bankruptcy
        • In case the account was delinquent prior to the bankruptcy filing, it will remain for seven years from the original date of delinquency.
        • Any account that was reaffirmed during bankruptcy is removed from the bankruptcy In case, you are current on payments on such accounts, they are reported and remain open and active.
        • Any account with positive status (payments current) is reported on your credit report as it has a positive effect.
        • Accounts with late payments are deleted after seven years from the date it became late and was unable to get current ever.

        In case you find a discrepancy in the status of any of your accounts on your credit report, you can get it rectified from the credit reporting bureaus. If you find this difficult, you can take the assistance of an experienced lawyer. Call 888-297-6023 to consult with expert lawyers.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Are Accounts Included in Bankruptcy Deleted?

          Are Accounts Included in Bankruptcy Deleted?

          Call: 888-297-6203

          When you file for bankruptcy, it is important to remember that any and all accounts that are included in the bankruptcy will find a mention on your credit report. Lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, inform that these accounts will not be deleted from your credit history immediately after a bankruptcy discharge, but remain on the credit report for a period of seven years. This seven-year duration is from the original delinquency date or the date of the bankruptcy filing. Individuals can file for bankruptcy under Chapter 7 or Chapter 13. The difference in credit reports in either cases is mentioned below:

          • Chapter 7

          When you file for bankruptcy, you are expected to mention all creditors and thus all accounts are listed in your credit report as “included in bankruptcy.” Once you get your bankruptcy discharge, which in the case of Chapter 7 takes 3-6 months, the account status gets updated to “discharged in bankruptcy.” Since debts in this chapter are discharged without any repayment, the bankruptcy remains on credit report for 10 years, however, the accounts included in bankruptcy are removed after seven years.

          • Chapter 13

          This chapter of bankruptcy involves repayment through a court-approved plan, on completion of which the bankruptcy is discharged after 3-5 years. Since some portion of the debts is paid in this case, the bankruptcy remains on your credit report for seven years. All accounts listed in Chapter 13 bankruptcy are shown as “included in bankruptcy” with their status changing to “discharged in bankruptcy” on completion of the repayment plan.

          In case any account included in bankruptcy fails to get listed in your credit report, you should approach a credit reporting company and provide Schedule A document from your bankruptcy filing so that the information is updated on your credit report. Having an experienced lawyer can make a huge difference to your bankruptcy case. In case you are looking for one, call 888-297-6023 to schedule an appointment.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • Can a Discharged Chapter 7 Bankruptcy Affect Your Credit Score?

            Can a Discharged Chapter 7 Bankruptcy Affect Your Credit Score?

            Call: 888-297-6203

            Bankruptcy becomes public record and finds mention on your credit report, even after the discharge. In case of a Chapter 7 bankruptcy, since no loans are paid back, it is mentioned on your credit report for a duration of 10 years from the date of the bankruptcy filing. According to Dallas based bankruptcy law firm Recovery Law Group, when the bankruptcy filing is discharged, the credit report should be updated to show the status. This discharge status should be extended to include all accounts included in bankruptcy. The update should also be done by the lenders to show that zero balance is owed by the debtor.

            People who file for bankruptcy should request for a free credit report a couple of months after their bankruptcy discharge to ensure that the same is reflected on all accounts included in bankruptcy. Though you are no longer responsible for paying debts already discharged, yet their mention on your credit report despite being discharged adversely affects your credit ratings.

            The duration for which accounts remain on your account depends on the delinquency date of those accounts. Generally, the accounts are removed seven years from the original delinquency date irrespective of being included in bankruptcy. In case they were current prior to the bankruptcy filing, they will remain for seven years from the date of the bankruptcy filing.

            To get over bankruptcy, you need to start making amends. Re-establishing credit can take time, but with steady efforts, the effect of delinquent accounts and other bankruptcy notations gets reduced. After a fixed duration, the accounts included in the bankruptcy as well as your bankruptcy will be removed from your credit report. To know more about your options in case of financial distress, call 888-297-6023 to schedule an appointment with bankruptcy lawyers.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • Everything You Wanted to Know About Bankruptcy Discharge

              Everything You Wanted to Know About Bankruptcy Discharge

              Call: 888-297-6203

              People reeling under the effects of debts often consider filing for bankruptcy. Despite the ill effects of denting your credit history, there are numerous benefits associated with bankruptcy, like, the automatic stay and discharging of debts. A bankruptcy discharge releases you from paying back certain debts after you file for bankruptcy. According to lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, the legal order also prevents creditors from taking any action to collect the outstanding debts which have been discharged by the court. You can live a threat-free life after getting a bankruptcy discharge. The discharge occurs at different times depending on the chapter of bankruptcy.

              Individuals can file for bankruptcy under either Chapter 7 or Chapter 13. In the case of Chapter 13, a repayment plan is involved, through which the debtor pays back certain debts. The duration of this plan is generally 3-5 years and bankruptcy discharge is given after completion of this plan. In Chapter 7, since no repayment of loans is involved, the discharge is given within 4-6 months of the filing of the bankruptcy petition. This timeframe can change if any objections are raised by creditors. However, it is important to know that all debts cannot be discharged in bankruptcy. Certain debts survive bankruptcy and depending on the chapter you have filed under; you will have to pay for them.

              Debts discharged during bankruptcy

              Once you qualify for a chapter of bankruptcy, certain debts can be discharged, provided you are eligible for them. These include:

              • Medical bills
              • Credit card debt
              • Utility bill debt
              • Personal loans from family or friends
              • Business debt
              • Contractual debts
              • Unsecured debts
              • Judgments
              • Attorney fees
              • Missed rent payments
              • Some tax debts
              • Civil court judgments
              • Debts due to your malicious injury of a person/thing

              Debts which survive bankruptcy

              Certain debts, however, cannot be discharged. These depend on the chapter of bankruptcy you have filed under.

              Chapter 7 bankruptcy

              • Student loan
              • Criminal fines
              • Court fees
              • Car loans
              • Child support and alimony
              • Debts secured by a lien
              • Debts resulting from malicious injury to another person or thing
              • Debts due to DUI resulting in death or personal injury
              • Mortgages

              Chapter 13 bankruptcy

              • Child support and alimony
              • Mortgages
              • Student loan
              • Some tax debts
              • Criminal fines
              • Debts due to personal injury or death caused due to driving under the influence

              Certain debts can be discharged, provided a creditor does not file a motion against them, resulting in them being declared non-dischargeable. These include civil court judgments and debts which were a result of fraud.

              Life after bankruptcy discharge

              Official copies of the discharge are sent by the court clerk to all creditors named and listed during bankruptcy proceedings. Apart from this, copies are also sent to the bankruptcy trustee and their lawyer as well as debtor and their lawyer. Bankruptcy discharge notice prevents creditors from pursuing any collection action for debts discharged. Any attempt to contact you to collect payment can result in action against creditors. However, creditors with a loan secured by a lien can repossess the property even after discharge if you do not make regular payments. Consulting a lawyer, in this case, might be essential. You can call 888-297-6023 to consult with experienced bankruptcy lawyers.

              Once you get your bankruptcy discharge, it appears on your credit report and remains on it for a duration of 7-10 years depending on the chapter of bankruptcy you filed. While Chapter 7 bankruptcy remains for ten years, Chapter 13 for seven years from the date of filing. This has a negative effect on your credit score and hampers your chances of getting credit. The accounts discharged as a result of bankruptcy should show that status on your credit report. In case it is not so, you can get it updated through credit bureaus by providing them with the “schedule” document from bankruptcy records.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Can Bankruptcy Affect Your Chance of Getting Mortgage?

                Can Bankruptcy Affect Your Chance of Getting Mortgage?

                Call: 888-297-6203

                Overwhelming debts require you to take some action if you wish to avoid repossession, foreclosure or lawsuit. Bankruptcy can be a way out, but you pay the price for it. You end up hurting your credit rating for as long as ten years in case of a Chapter 7 bankruptcy and seven years in case of Chapter 13 bankruptcy. Getting credit after bankruptcy can be extremely difficult. Thus, if you wish to get a mortgage, bankruptcy can be bad!

                According to Dallas based bankruptcy law firm Recovery Law Group lawyers, bankruptcy lowers your credit score considerably, making it difficult for people to get mortgage loans, especially post-bankruptcy. After some time, the negative effects of bankruptcy lessen, and lenders might consider your credit building efforts before agreeing to your mortgage. It is important to ensure that your credit-building efforts are reported to the credit bureaus so that your credit report is updated. Any incorrect or outdated information displayed on the credit history can hamper your chances of getting any kind of credit, including the mortgage.

                Effect of different bankruptcy types on mortgage loans

                The type of bankruptcy and discharge affect the establishment of a new line of credit. Here’s a look at various bankruptcy types:

                • Chapter 7

                In this liquidation bankruptcy, the non-exempt property is sold off to pay your unsecured debts like credit card debt, etc. This bankruptcy stays on credit report for 10 years. After waiting some time has passed since bankruptcy discharge and with a large down payment, you might get a mortgage loan.

                • Chapter 11

                Usually meant for businesses, it can also be used by individuals. People who have more money to qualify for Chapter 7 and more debt than allowed in Chapter 13 can choose this option. The chapter is complex and expensive. After some time, post-bankruptcy discharge, you can qualify for a mortgage.

                • Chapter 13

                Debtor repays some portion of the debt through a court-approved repayment plan over 3-5 years. Any remaining unsecured debt is discharged. The bankruptcy remains on credit report for 7 years. People who wish to take mortgage after this should consult their bankruptcy trustee.

                Mortgage loan varieties

                Different types of mortgage loans are available after bankruptcy, each with a unique requirement.

                • Federal Housing Administration (FHA) Loans

                Managed by the federal government, they require very low down-payment. However, you must pay for mortgage insurance which increases the monthly payments. There is a waiting period associated with different bankruptcy chapters. For Chapter 7, two years from discharge date, for Chapter 13, one year from discharge date while no waiting period for Chapter 11 bankruptcy.

                • USDA Loans

                U.S. Department of Agriculture loans are for rural borrowers. People who aren’t eligible for conventional loans, with modest income can opt for this loan for a house in a rural area. no-down-payment and low-interest rates are a great reason to choose it. you need to wait three years from discharge date in Chapter 7 bankruptcy, one year from discharge date for Chapter 13, and no waiting period for Chapter 11 bankruptcy.

                • VA Loans

                This one is for veterans and personnel currently serving in the military. There is no down-payment in the Department of Veteran Affairs loan. They do not charge private mortgage insurance and offer loan at low-interest rate too, however, a funding fee (percent of home price) is required. The waiting period in case of Chapter 7 is two years from discharge date; one year from discharge date for Chapter 13, while no waiting period for Chapter 11 bankruptcy.

                • Conventional Loans

                These loans are not guaranteed by any government agency; hence the norms are stricter than the others. You require a good credit score, should put 20% of house’s cost as down-payment and additional private mortgage insurance. Even the waiting requirements are longer. For Chapter 7 and Chapter 11, it is four years from the discharge date; while it is 2 years from discharge date or 4 years from dismissal date for Chapter 13.

                The best way to get approval for a mortgage after bankruptcy is by focusing on rebuilding credit. The basic steps involved are creating a budget and avoiding spending more than your limit; paying your bills on time to avoid getting into debt and getting a secured credit card which reports your payments to the credit bureaus. Once you get your credit rating in order, getting mortgage won’t be tough. bankruptcy might prove to be a hurdle in your search for the perfect home, but with experienced lawyers by your side, things are smooth. To consult with qualified bankruptcy lawyers, you can call 888-297-6023.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • How Difficult is it to Get Credit After Bankruptcy?

                  How Difficult is it to Get Credit After Bankruptcy?

                  Call: 888-297-6203

                  Though bankruptcy can help you get rid of your debts, getting credit after bankruptcy discharge is easier said than done. Fresh out of bankruptcy, people find it difficult to get a creditor to approve their loan petition. This is because bankruptcy stays on your credit report for a long duration. Chapter 7 bankruptcy stays for 10 years since no debt payment is made in this case. In the case of Chapter 13 bankruptcy, since some portion of debts are paid, this bankruptcy remains on your credit report for seven years.

                  Los Angeles based bankruptcy law firm Recovery Law Group says that the negative effect of bankruptcy can last for some time after getting a discharge. This is because the creditors do not receive any money that was owed to them. With bankruptcy on your credit report, prospective creditors are warned of the risk associated with lending money to a person who is fresh out of bankruptcy. Such people find it difficult to get credit at reasonable rates and end up getting high-interest rates credit cards, especially just after a bankruptcy discharge.

                  Rebuilding credit is possible!

                  The primary step is to check whether, after bankruptcy, your credit score is reported correctly on your credit report. Once you are aware of your credit score, you can start making efforts to rebuild your credit. Primary steps involve paying bills on time and getting under as little debt as possible. Other possibilities include:

                  • Secured credit card

                  This is one of the best ways to rebuild credit. These cards require a security deposit for account opening. This amount decides the credit limit. Making monthly payments on this card and living within means help you improve credit score. The card has a lower interest rate than normal unsecured credit cards. However, if you don’t pay the amount due, interest is added.

                  • Become an authorized user with someone else’s card

                  You could ask a friend or relative with excellent credit to make you an authorized user on their credit card. This will slowly help build your credit score since the primary account holder pays bills on time. In case the primary cardholder also has a large amount of debt or is behind his payments, this could affect your score negatively. Thus, you should choose the primary user carefully.

                  • Credit-builder loan

                  These are small personal loans which are aimed to provide people out of bankruptcy with financial assistance to improve their credit. On-time payments on such loans are reported to major credit building agencies which improve your credit rating.

                  Bankruptcy is a major decision which should not be taken lightly. For knowing more about bankruptcy proceedings and its effect on your credit score, call 888-297-6023 to speak with experienced lawyers.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • Know the Difference Between Chapter 7 and Chapter 13 Bankruptcy

                    Know the Difference Between Chapter 7 and Chapter 13 Bankruptcy

                    Call: 888-297-6203

                    Individual debtors can file for bankruptcy under Chapter 13 or Chapter 7. In the case of chapter 13, you are required to repay some part of your loan over a period of 3 to 5 years through a court-approved plan. Since some portion of the debt is paid, lawyers of Los Angeles based bankruptcy law firm Recovery Law Group inform that the credit report shows this bankruptcy for only seven years.

                    On the other hand, under Chapter 7, you don’t repay any debt and thus, the bankruptcy remains on the public record and your credit report for 10 years from the date of filing. Bankruptcy can have a negative effect on your credit report as well as credit history. To help get back on track, you need to take of professional assistance from credit counselors as well as experienced lawyers. It is important to keep paying monthly bills on time to ensure that your credit history improves steadily.

                    Just as Rome was not built in a day, rebuilding your credit will also take time. Managing your finances, making payments on time and staying away from unnecessary expenditure will yield positive results in the long run. To consult expert attorneys, you can contact 888-297-6023.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.