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.

Mortgage Restructuring

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 compliable 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.


Are you unemployed and struggling to make your mortgage payments? You may be eligible for the government funded Home Affordable Modification Program or HAMP. HAMP, also known as the Obama Program, may be able to lower your monthly payments. In June 2012, the Obama administration expanded those eligible for the program, including second property owners, homeowners whose trials defaulted and those with higher debt-to-income ratios. We have seen issues with lenders willing to cooperate with the HAMP program. HAMP was set up as a list of guidelines, therefore lenders are not legally obligated to participate. Our team of expert attorneys will evaluate your case on an individual basis to find out what option is best for you.