Need help with your loan? Count on our Guaranteed Loan Modification Service & A+ Rating with Better Business Bureau.
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Founded over 27 years ago, the Law Offices of Jeffrey A. Avny started with the mission of providing the highest level of real estate legal services to those buying or selling a home. As the economy took a turn in 2008, there was an apparently strong need to helping those facing financial difficulties on their mortgages. So many good people wanted to keep their homes and yet many of the banks were not making loans to those behind on their mortgage.
Our office began assisting homeowners who were behind on their mortgage to work out a favorable solution with their lenders using a loan modification. Over the years we have helped thousands of people behind on their mortgage obtain a loan modification. While anyone can apply for a loan modification, there are many intricacies towards obtaining a loan modification.
Unfortunately there are a lot of loan modification scams and the last thing anyone who is at risk needs is to be taken advantage of by unscrupulous scammers who do little to nothing to help the homeowner. In order to truly make it a no risk service, we decided to guarantee our service to help reduce the risks towards homeowners at risk of losing their homes.
In many cases, yes. Many of our clients tried working with their lenders already and did not have any luck getting their lender to work with them. Our office has over 10 years experience working specifically on loan modifications and we have worked with the majority of lenders and successfully helped thousands of clients.
In most cases yes. Most lenders typically require a full package to be received within 30 days from sale date. We have many relations with lenders and are sometimes able to get exceptions. There are tricks we can pull if there is not enough time and we have successfully helped some people save their homes from foreclosure just days before the sale date. We typically do not recommend waiting that long, so if you have a sale date, please call our office right away.
There are many ways to stop foreclosure. The first step is to determine where you are at in the process and evaluate the options available. When you work with Avny Law, our office will assist you with the most suitable methods to help you stop the foreclosure process and we can even help you stop foreclosure sale date at the last minute.
There are mainly a few reasons most mortgage modification applications get denied. The most common is that either the forms or package was submitted with inaccurate information or not submitted properly. Another reason is applicants do not meet program guidelines. At Avny Law our job is to help clients successfully attain a loan modification to keep their homes and stop foreclosure altogether.
There are many government programs to help protect homeowners from losing their homes, including Illinois Hardest Hit, HAMP, HAFA, Mortgage forbearance and Loan Modification. Our office can assist you in attaining these mortgage help programs to help you keep your home.
If you have a sale date and want to keep your home, the best thing to do is contact an experienced foreclosure attorney. Depending on how far the sale date is out, you may be eligible to get a loan modification and stop the sale date. If there is not enough time you may be able to file for emergency chapter 13 bankruptcy. This can be used in conjunction with a loan modification and can stop the sale date in time for a modification to be worked out.
At Avny Law, we use Illinois foreclosure laws to help protect our clients from foreclosure sale dates. Illinois is a judicial state which means all foreclosure sales must be approved by a judge through a court hearing. There are many loopholes to protect consumers. Our job is to help consumers stop the foreclosure process so they can keep their homes.
Unfortunately once someone goes 90 days late on their mortgage, there are not many reputable mortgage companies that will grant a loan. Therefore a mortgage modification or bankruptcy might be the best option. If you are deeply in debt, an bankruptcy might be the best option. It is best to consult with an attorney to discuss whether filing bankruptcy is right for you. Contact us for a free consultation.
Unfortunately there are many scammers out there just looking to make a quick buck. Many are not even real law firms and most are from out of state. In order to serve you better, here is a list of a few things you should look for when considering getting help from loan modification firm.
1. Check their rating with the Better Business Bureau.
2. Read their reviews on Google. Check what people are actually saying. Do they have reviews? How many? How many of them are positive versus negative. This is a good barometer of what you may experience.
3. Are they licensed in your state? Insist on a licensed Illinois Foreclosure Attorney to help you with your home. It is often best to be able to sit down face to face with the group that is going to help you. After all, it is your home, so make the trip even if they are not around the corner. Remember you want to save your home not get taken for a ride.
The short answer is, Yes we do offer a 100% Money Back Guarantee. We have been helping people in foreclosure successfully for well over 10 years and frankly are one of the highest rated foreclosure lawyers in the state, if not the country. As a general rule, we can pretty much tell right up front as to whether a loan will qualify or not.
Because we actually do guarantee the success, we are selective about who and which cases we take on. This helps us and most definitely helps the consumer so they are not lead down a false road named Hope. Instead, you can count on us to be upfront and honest with you right upfront.
If we feel we can help you, you can count on us to help you. If we don't feel we can help you, we will tell you right up front and give you a game plan on how to still come out on top. So if you have questions, doubts or would like to discuss getting help on your loan, be sure to call us at 630-286-9276 for a free consultation.
We charge a standard fee for a loan modification depending on exactly which stage of the process you are in and how much work is involved. Most of the time we only charge a one time flat fee to handle the entire process. Some companies like to charge a per month fee where it may be in their best interest to drag the process out as long as possible. That has never been our motto and never will. We treat all of our clients as family and do what is best for them. Contact our office for an exact quote for your situation. Our fee is completely guaranteed so you have nothing to lose and everything to gain.
These materials have been prepared by the Law Offices of Jeffrey A. Avny for informational purposes only and are not legal advice. This is general information only. No information posted here or materials provided are intended to constitute legal advice. The Law Offices of Jeffrey A. Avny cannot guarantee the accuracy of posted information as each individual situation may vary. Consult an attorney before buying or selling a home.
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