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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Mortgage Loan Debt Solutions

mortgage loan debt solutionsWhile we all have at some point faced some kind of financial crunch, it is always a bit frightening to witness your debts spiral out of control. Many people are struggling with a crippling mortgage that seems hard to repay.  A debt management program is possibly the one solution. For some looking for relief from debts, other various mortgage loan debt solutions may be better.

Mortgage loan debt solutions

Debt consolidation: One of the most popular ways of managing your multiple mortgages is taking out a debt consolidation loan. Some choose to do this from the same or a different lending company. Debt consolidation allows you the luxury of making a single monthly payment. This is in lieu of the multiple debt installments that you need to pay every month. In some cases, the borrower may also be able to get a lower rate of interest. Consequently, reduce their debt obligation to a great extent. Having a single payment to make every month makes it easy to keep up with your repayment schedule and rebuild your credit score.

Renegotiate on a second mortgage: If you already have a second mortgage on your home, you might be able to renegotiate the terms. A second mortgage is an unsecured debt. This means the lender will not be able to recover the outstanding in the event of a foreclosure. Therefore, in such cases, the lender might be willing to settle the debt for as less as 5% to 20% of the amount owed.

Bankruptcy: When you are unable to deal with your mortgage loan debt by any other strategy, and your mortgage is about to get foreclosed, your last resort should be to file for Chapter 13 bankruptcy. The chapter 13 bankruptcy allows you to strip off your junior liens and reduce your home loan liability considerably.

Always make an educated decision when it comes to debt relief.  Your Roseville bankruptcy lawyer can review all of your mortgage loan debt solutions with you.

 

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