Southington Foreclosure Relief Lawyer

Southington, CT homeowners continue to struggle in their efforts to get mortgage banks and lenders to work with them to get meaningful mortgage relief assistance. Record numbers of homes continue to enter foreclosure and despite the opportunities available for mortgage mediation, a record number of Southington, CT homes are being lost in the foreclosure process.

 

Foreclosure mediation with legal representation by experienced foreclosure defense attorneys is the best opportunity to reduce your mortgage payments and save your home.

Connecticut’s mandatory foreclosure mediation process has helped the experienced attorneys at the Law Offices of Neil Crane save a record number of homes for our hardworking clients. Foreclosure mediation means a lost home for those without legal representation, and a great opportunity for tremendous success with prompt and experienced legal mediation attorneys.

At the Law Offices of Neil Crane, we’ve saved thousands of Connecticut homes for troubled homeowners just like you. To learn more about saving your home through mediation, call the experienced attorneys at the Law Offices of Neil Crane at 203-230-2233 or toll free at 1-888-249-3027. We have local offices in the Hartford and New Haven areas.

Mediation with Experienced Lawyer Representation Saves Homes and Lowers Mortgages

Connecticut’s mandatory mediation program requires lenders to participate in foreclosure mediation for all owner-occupied homeowners who properly submit for mandatory mediation. Properly prepared mediation requests submitted by experienced foreclosure defense attorneys like the lawyers at the Law Offices of Neil Crane are producing great success for homeowners seeking to keep their homes and lower their monthly payments.

The Critical Steps to Foreclosure Defense and Mediation Success are:

  • Prompt involvement of experienced legal counsel versed in all of the options available to save your home and lower your mortgage payment
  • Well-documented and sensible proposals supported by solid financial information and back-up documentation necessary to prove your case for keeping your home and lowering your mortgage payment.
  • Making provisions for reductions of other forms of debt and liens on homes is essential to proper mediation requests. By properly dealing with other forms of debt and liens, we know how to keep these problems from causing their denial of your modification proposal.

Mediators are well-meaning but they don’t represent your interests. Mediation without legal representation is a lost opportunity and has in fact increased the ratio of homes lost to foreclosure, despite the fact that our office has never had greater mediation success.

Saving Homes Through Chapter 13 Bankruptcy

Chapter 13 requires the bank to end your foreclosure and provide you with a three-to-five year program for repayment based upon your specific household income and expenses. At the Law Offices of Neil Crane, we are the largest provider of Chapter 13 relief in Connecticut. We’ve used Chapter 13 Plans to save thousands of homes throughout Connecticut. Chapter 13 solves mortgage problems without any involvement, assistance or consent from foreclosing banks, lenders services, or their attorneys.

Chapter 13 also provides relief from:

  • Unsecured debt
  • Real estate taxes
  • All forms of State and Federal taxes
  • Removal of second mortgages

Southington Estate Market Statistics Through December 2015:

  2011 2012 2013 2014 2015 5 Year Change
No. of Sales 517 582 631 644 579 (+12%)
Median Price 222.5K 235k 230k 240k 235k (+5.6%)
Foreclosures 125 154 181 146 79 (-36.8%)

Southington Lost Homes due to Foreclosure Statistics through December 2015

  2011 2012 2013 2014 2015 5 Year Change
Homes Lost
(Forecl. Sale)
23 19 35 37 19 (-17.4%)
Homes Lost
(Strict Forecl.)
24 39 22 7 0 (-100%)

To learn more about saving your home through Chapter 13 bankruptcy, call the experienced attorneys at the Law Offices of Neil Crane at 203-230-2233 or toll free at 1-888-249-3027.