We live in trying economic times. High unemployment, a down economy, and other factors come into play, making it difficult for many to meet their current financial obligations. For many, making mortgage payments is the most challenging of all.

Do you struggle every month to pay your mortgage? Both Chapter 7 and Chapter 13 bankruptcy offer protections and options for homeowners looking to stop foreclosure. But bankruptcy is not always the best option. Some people can achieve the results they desire by working directly with a creditor to modify the terms of their loan, reducing the interest rate and lowering monthly payments.

Contact Wright Law Offices to learn about your specific legal options. A Phoenix loan modification lawyer can help you determine if a loan modification is right for you.

Seeking a Loan Modification

Homeowners looking to modify their mortgages work directly with the lender to reach a mutually beneficial agreement. An agreement likely involves reducing interest rates or reducing monthly payments.

The Home Affordable Modification Program (HAMP) is a newer option available to homeowners at risk for foreclosure. This program is a part of the Making Home Affordable Program, which is a part of 2009’s Financial Stability Act. If eligible, a homeowner can have mortgage payments reduced to 31 percent of his or her monthly gross income (while the government provides incentives to lenders.)

Homeowners in Phoenix, Arizona, turn to Wright Law Offices for straightforward answers to their bankruptcy and loan modification questions. We can discuss your specific legal options based on your current financial situation and goals for the future. We may find that
Chapter 7 or
Chapter 13 bankruptcy is your best option to avoid foreclosure. But we may determine that a loan modification — while taking advantage of current government programs benefiting homeowners — is a better option.

Contact a Scottsdale Mortgage Modification Lawyer

Schedule a free consultation at one of our law offices in Phoenix, Scottsdale, Tempe, Avondale, Prescott, or Chandler. Call 480-845-0145 or
contact an attorney online today.

We are a debt relief agency. We help individuals and businesses file for bankruptcy relief under the Bankruptcy Code.

Receive a FREE Consultation

Use the form below or call us at 602-456-6085 today. We’re here to help.

    Our Locations

    • Phoenix Office – New Wright Law Offices  2999 N. 44th St., Ste 600 Phoenix AZ 85018  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Phoenix Office – Old Wright Law Offices  668 N. 44th St., Ste 320 Phoenix AZ 85008  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Scottsdale Office  Wright Law Offices  7135 East Camelback Road, Ste 230 Scottsdale AZ 85251  Telephone: 480-845-0145 / 866-703-3287 Scottsdale Law Office
    • Tempe Office  Wright Law Offices  2238 S. McClintock Dr. Tempe AZ 85258  Telephone: 480-845-0145 / 866-703-3287 Tempe Law Office
    • Avondale Office Wright Law Offices  12725 W Indian School Rd, Suite E-101 Avondale AZ 85392  Telephone: 623-258-4480 / 866-703-3287 Avondale Law Office
    • Mesa Office Wright Law Offices  4856 E. Baseline Rd. Suite #104 Mesa, AZ 85206 Telephone: 480-845-0145 / 866-703-3287 Mesa Law Office
    • Glendale Office  Wright Law Offices  20325 N. 51st Ave., Suite 134 Glendale, AZ 85308 Telephone: 623-258-4480 / 866-703-3287 Glendale Law Office

    What our clients are saying…

    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    Mr. Wright and his staff were amazing. They made a negative situation a lot better and turned it into a positive. Could really tell they care helping people and I will refer their Phoenix Bankruptcy Attorney firm to friends and family. Thanks again.
    Tara
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    I called around looking for the right bankruptcy lawyer and came across Benjamin Wright. He personally called me for the consultation seeing how I live in Kingman AZ. He was very helpful from the start and his staff was very friendly and explained any questions I had, sorry for all the questions. I would definitely recommend Wright law offices, and I do!! Thanks for everything, you made what seemed like a hard thing to do simple!! You guys rock!!!
    Steffanie
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    Great lawyer, he really helped my mother out of a jam. She was totally new to bankruptcy and he talked with us for about an hour and a half to make sure she wouldn’t be worried.
    Damian
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    Ben is a kind and down to earth attorney. He worked around my busy schedule as a single mom (school, full-time job, and daycare pick up and drop off times). He explained absolutely everything to me and was good about e-mailing. I am writing this review as a THANK YOU.
    Shannon
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY
    I had a very positive experience with Attorney Wright. He or his staff returned my e-mails and calls promptly (even after business hours occasionally). His fees were reasonable. He was patient with me when I showed up in court missing an important document. He is aggressive, but fair and nice.
    Jenna