We’re Your Chicago Foreclosure Defense Team

If you are behind in your mortgage payments do not bury your head in the sand. Many people think that they can just leave the home with no consequences. Nothing is further from the truth.

Protect your credit and your assets without paying rent elsewhere. If you are behind on your mortgage payments, don’t bury your head in the sand.

Many people think that they can just leave their house without consequences. Nothing is further from the truth. Protect your credit and assets without paying rent elsewhere.

Property Retention Solutions

At Citizens Law Group Ltd., we understand how important your homes are to you. Whenever possible, we will work to help you reduce your debt while keeping your property.

There are a variety of options that allow you to retain your property while alleviating your debt. Contact a Citizens Law Group LTD. attorney today to find out if one of these options is suitable for your case.

Are you months behind on your mortgage payments? Does foreclosure seem imminent? If you are finding yourself in a financial crisis, mortgage restructuring may be a viable option for you to alleviate your financial solution and keep your property.

If you are experiencing financial hardship due to medical or employment issues, a loan modification may be the most agreeable solution for you.

Our experienced attorneys create strategic restructuring options that appeal to your mortgage lenders.

Defective Mortgage Defense

If you are behind in your mortgage payments, it is possible that you were a victim of your mortgage lender. Many houses today have been foreclosed due to mortgage brokers who do not act in the best interest of their clients. Homeowners have been granted loans above their means with terms that are not compilable to their circumstances.

Citizens Law Group Ltd. will evaluate your case to see if you qualify for defective mortgage defense. Typical cases of defective mortgage include:

• Mortgage payments at half to more than your monthly income
• A recently purchased home valued at much less than was paid for it
• Lender refusal of refinancing

To defend against a defective mortgage, the attorneys at Citizens Law Group Ltd. can take legal action against all parties involved with the faulty transaction, including lenders, account management, underwriters, appraisers and more.

Chapter 7 Bankruptcy

At Citizens Law Group Ltd., we do not believe in any stigma attached to filing for bankruptcy. Filing for bankruptcy in place of foreclosure can clear your financial hardships and set you on a new road without the weight of debt hanging on your shoulders.

While it may seem scary, our attorneys will provide you with guidance and assure a brighter future. Deciding on Chapter 7 in a foreclosure situation takes a lot of evaluation .Contact our attorneys today to find out if this solution is right for you.

HAMP (Housing Affordable Remodeling Program)

We will work to help you reduce your debt, while you keep your property. There are a wide variety of options that allow you to keep your property, while reducing your debt load. Contact an attorney at Citizens Law Group LTD. today to find out if one of these options is right for you.

Mortgage Restructuring

Are you several months behind on your mortgage payments? Does foreclosure seem imminent? If you find yourself in a financial crisis, mortgage restructuring may be a viable option to ease your financial solution and preserve your property.

If you are experiencing financial difficulties due to medical or employment problems, a loan modification may be the most agreeable solution for you. Our experienced attorneys create strategic restructuring options that get the attention of your mortgage lenders.

Defense Against A Defective Mortgage

If you are behind on your mortgage payments, you may be a victim of your mortgage lender. Many homes today have been repossessed by mortgage brokers who are not acting in the best interest of their clients. Homeowners have been given loans beyond their means, with terms that are not compatible with their circumstances. Citizens Law Group LTD. will evaluate your case to see if you qualify for defective mortgage defense.

Typical cases of a bad mortgage include:

• Mortgage payments at more than half of your monthly income
• A newly purchased home worth much less than what you paid for it.
• The lender refuses to give you a refinance. To defend yourself against a bad mortgage, the attorneys at Citizens Law Group Ltd. can help.

Stay In The Home And Avoid Liability

Sometimes a savvy homeowner owes so much more on a mortgage than their home is worth that the smartest decision is to stop paying their mortgage and let their home fall into foreclosure.

Why empty out your retirement account or spend your entire paycheck on a worthless property?

Sometimes a smart homeowner owes more on the mortgage than it is worth, and the smartest decision is not to continue paying off the mortgage and letting your house go into foreclosure. Why empty your retirement account or pay your entire salary on worthless property?

Find Out How We Can Help

With years of experience and expert training, our Chicago attorneys fight for you, making sure you get ready for your next chapter. SEE HOW WE WORK WITH YOU

More Information

• What You Need To Know About Your Options
• Three Ways To Save Your Home