Can I Save My Home From Foreclosure?

After months of falling behind on mortgage payments for the family home — the foreclosure notice you’ve been dreading has finally arrived. It sits open on the table with the rest of your mail, waiting … one or two pieces of paper that seem to weigh just about as much as a house.

At the Law Office of Ronald D. Cummings, we have helped people in all kinds of financial distress to save their homes and avoid foreclosure. And what we can tell you, based on the experience of practicing bankruptcy law for over 30 years, is do not panic and do not despair. Instead, talk to an experienced attorney about your financial situation and the possibility of saving your home from foreclosure. Call our law offices and schedule your free consultation today.

Helping You Make an Informed Choice

In Illinois, home foreclosure doesn’t happen overnight. In fact, it’s a fairly lengthy process that generally takes anywhere from nine months to a year to complete. That said — if you’ve received a home foreclosure notice, don’t wait too long before doing something about it.

At the free initial consultation, our attorney will take an honest, objective look at your financial situation and explain the various options that could work to achieve your goals. Part of that process involves looking at whether or not avoiding foreclosure is the best thing.

In some cases, a home might simply be too expensive or not well-suited to your family’s needs and it might be time to see if there’s something better out there. In other cases, and if you’re not currently unemployed, you may be able to obtain a loan modification from your lender. Another way to avoid foreclosure is by cashing in home equity to make the missed payments. Unfortunately, the housing market crash has made this option unavailable to most people.

In most cases, if you’ve missed mortgage payments, want to keep your home and cannot immediately make the payments you’ve missed — a Chapter 13 bankruptcy could be your best solution.

In any case, however, our focus will be on showing you what you can do— not on trying to convince you to do what we want.

Free Bankruptcy Consultations ~ (815) 729-9212

Serving Will County and the surrounding areas of northeast Illinois since 1987, bankruptcy lawyer Ronald D. Cummings provides the kind of experienced bankruptcy assistance that can help you keep your home. To find out what your options are, call our law offices directly and ask for a free consultation.

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