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Home Foreclosure
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An attorney from Jacoby & Jacoby will help you find a solution to foreclosure through loan modifications, bankruptcy, or by using other means.
Foreclosure is a very big problem throughout the Country especially here on Long Island.  Many people are losing their homes because of the high taxes, the variable interest rates and the exotic mortgages that were offered to people in the last 7 or 8 years. What Jacoby & Jacoby has been doing in many instances if the people are behind on their mortgage is filling on their behalf a Chapter 13 bankruptcy, which allows them to pay arrears on their mortgage back over 5 years. In that same bankruptcy they are able to pay back their unsecured debt in many instances with as little as ten cents on a dollar. This has helped many people.  In addition second mortgages under certain circumstances can be eliminated in whole or in part in a Chapter 13 bankruptcy. So there is a solution to foreclosures but one must speak to an attorney who is qualified. Jacoby & Jacoby does loan modifications and many of the loan modifications result in lower mortgage payments. So if you combine lower mortgage payments on a first mortgage with elimination of a second mortgage and elimination of credit card bills, many individuals are able to keep their home and not move from it.
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