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At Wright Law Offices, we know that facing a foreclosure can be a scary reality. You may worry that your home life may get turned upside down, causing you to have to make a move you don’t want to. Our Gilbert, AZ foreclosure lawyer can help those who are dealing with bankruptcy, debt settlements, debt consolidation, and loan modifications. We understand that there may be times in our lives where we face financial hardships. The costs of living can be expensive, and seems to be an issue that continues to grow. However, please keep the faith and hope that things can and will get better. Reach out today for further support with your financial matter.
What To Know About Lender Negotiations
If you have kept up with paying your mortgage without problem, then many lenders will be open to negotiating for what you owe. This may entail reorganizing your payment plan so you can reasonably continue paying them without issue. It is important to have our Gilbert foreclosure lawyer help you with this negotiation. We know how to put you in the best position for the outcome you want. Most lenders would prefer to get paid a lower but consistent amount, than to require a higher amount that leaves them without payment. What our foreclosure attorney can do is protect your best interests as this lender negotiation happens.
What our foreclosure attorney can do is see if you are able to request a forbearance. In other words, this means you can halt making payments or greatly reduce what you must pay for up to one year. This can be a great option for those who have seriously encountered a financially difficult period and need time to get back to stability before returning to regular payments. Some lenders notify credit companies about a forbearance, even if it is only a temporary circumstance. The impact to your credit score can be significant so we suggest speaking with our foreclosure attorney before proceeding.
Why Experience Is Important For Foreclosure Cases
If you were to ask past clients about our services, they would likely say that we made a difficult situation so much better. When you may feel like there isn’t a solution, we can bring one to you. Our foreclosure attorney Attorney Wright is well suited to assist you because:
- He has more than 10 years of experience handling bankruptcy cases.
- He has assisted over 1,000 people overcome financial hardships.
- He has a background in accounting and business, so he uses his knowledge of complex financial circumstances to create solutions.
- We are a small firm environment, so we are able to bring focus to your case with quality over quantity.
At Wright Law Offices, we believe in helping people get out of severe financial difficulty. Support from our Gilbert foreclosure lawyer can make the difference in what comes next in your life path. Let us provide possible solutions so you can obtain peace of mind and ease. We are ready to discuss your situation with you. Contact us today for a consultation.
Types Of Foreclosure Cases We Handle
When homeowners face the risk of losing their property, legal representation can often make the difference between resolution and repossession. Our Gilbert, AZ foreclosure lawyer handles a broad range of property default matters involving residential, commercial, and investment properties. These situations often arise under intense stress, and our goal is to guide each client through the legal process with clarity and strategy. We work closely with individuals and families to address their specific needs and build a strong foundation for legal defense or negotiation.
Residential Properties Under Financial Pressure
The most common matters we see involve individuals or families falling behind on their mortgage. Whether the result of sudden job loss, rising costs of living, or unexpected medical bills, these cases require swift action and a thorough understanding of local laws. We help clients assess all available options, including potential loan modifications, reinstatement agreements, or litigation when the lender fails to follow proper procedures. Our goal is to pursue the best possible outcome while keeping families in their homes whenever possible.
Investment And Rental Property Concerns
Many of our clients own rental units or small investment properties that have become financially burdensome. These properties often involve different considerations than primary residences, especially when tenants are involved or when the property is intended to generate income. We assist property owners in reviewing their mortgage documents, analyzing default timelines, and determining whether there is any recourse to delay or prevent a forced sale. Our Gilbert foreclosure lawyer also represents landlords in disputes with lenders who may act prematurely or unfairly.
Disputes Involving Lender Conduct
Not every case is about missed payments. In some instances, our clients come to us because they believe their lender has acted outside the law. This may include wrongful accusations of default, improper crediting of payments, or failure to honor forbearance agreements. Our Gilbert foreclosure lawyer investigates these claims carefully, requests all relevant documentation, and takes legal action if the facts support it. These disputes can have serious financial consequences, and we take every step to protect our clients’ rights throughout the process.
Loan Servicer Errors And Miscommunications
Errors by mortgage servicers can create unnecessary default notices and legal threats. Our legal professionals regularly work with homeowners who were wrongly told they were delinquent or whose paperwork was mishandled. In these cases, we help gather evidence, file formal disputes, and represent our clients in hearings or negotiations. Miscommunication or administrative failure should not cost someone their home, and we advocate aggressively when errors put our clients at risk.
Contact Us Today
With over a decade of experience, our team at Wright Law Offices understands that each case involves more than just a property; it involves the lives and stability of those who depend on it. If you’re facing issues related to mortgage debt, legal filings, or threatened property loss, we’re ready to help you take the next step. Contact us to schedule a free consultation to discuss your situation and learn how we can support your goals.
Ways To Manage Foreclosure
Our Gilbert, AZ foreclosure lawyer understands how stressful the foreclosure experience can be. Thankfully, there are several steps we can take to protect our homes and financial stability. Working proactively with our lender and understanding the options available is essential. Foreclosure management requires clear planning and timely action to prevent long-term consequences. Here are effective approaches we can take when facing foreclosure.
Communicate Early With Lenders
Yes, acting quickly can make a difference. Contacting our lender as soon as we anticipate difficulties in making mortgage payments allows us to discuss possible arrangements. Lenders may offer temporary payment plans, loan modifications, or short-term forbearance. By maintaining open communication, we can show our commitment to resolving the situation and potentially avoid the foreclosure process.
Consider Loan Modification
A loan modification adjusts the terms of our existing mortgage to make payments more manageable. This may include extending the loan term, reducing the interest rate, or adjusting the principal balance. Many homeowners have successfully used loan modifications to regain financial stability. Applying for a modification requires documentation of income, expenses, and a plan to resume regular payments.
Explore Repayment Plans
Repayment plans allow us to catch up on missed payments over a set period while keeping the mortgage current. This option is helpful if the financial setback is temporary. By meeting the agreed-upon schedule, we can stop the foreclosure process and gradually restore our mortgage standing. Regular communication with the lender is essential to ensure the plan fits our financial capacity.
Evaluate Short Sale Options
A short sale occurs when we sell our property for less than the remaining mortgage balance, with lender approval. While this does not completely remove the financial impact, it can be a better alternative to foreclosure. Short sales can protect credit ratings more than a foreclosure and allow a fresh start. It is important to work with qualified professionals who understand the local real estate market to maximize results.
Review Refinancing Opportunities
Refinancing can reduce monthly payments by replacing the existing loan with a new one at a lower interest rate or extended term. This option works best for homeowners with reasonable credit and sufficient equity in their property. According to our legal professionals, refinancing can provide immediate relief and help us regain control over our financial situation while avoiding foreclosure.
Seek Legal Guidance
Working with an attorney who handles foreclosure matters can provide clarity about our rights and available options. Our award-winning Gilbert foreclosure lawyer can review our situation, communicate with lenders, and guide us through procedural steps to manage foreclosure effectively. Legal guidance helps prevent errors that could worsen the outcome and offers additional strategies tailored to our circumstances.
Stay Informed About Local Programs
Many cities offer government and nonprofit programs to assist homeowners at risk of foreclosure. These programs can include financial aid, counseling, and other resources to support mortgage payments. Staying informed about available resources allows us to take advantage of assistance and increases the likelihood of successfully managing the situation.
Contact Us Today
Facing foreclosure can feel overwhelming, but taking decisive action early can help protect our home and finances. By communicating with lenders, considering loan adjustments, evaluating sale or refinancing options, and seeking professional guidance, we position ourselves to make informed decisions. With over a decade of experience, our team at Wright Law Offices can provide support and guidance every step of the way. Contact our Gilbert foreclosure lawyer today for a free consultation.
Practice Areas
Free Consultation
Location Served
Tempe AZ, Phoenix AZ, Scottsdale AZ, Avondale AZ, Mesa AZ and Glendale AZClient Review
"Benjamin Wright with Wright Law Office made a very difficult time for us much easier. We were struggling and did not know what our options were. He explained all our options and helped us to make the best financial decision. They made things easy and were always available to answer any questions we had. I would definitely recommend him."
Carlos Aguirre
Why should you hire our firm to represent you in bankruptcy?
Great question. Here are a few reasons:
Ways we can help…
Our Locations
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Phoenix Office
Wright Law Offices
2999 N. 44th St., Ste 250
Phoenix AZ 85018
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 -
Prescott Office
Wright Law Offices
3623 Crossings Dr Suite 334
Prescott, AZ 86305
Telephone: 602-932-6600
Prescott Law Office
What our clients are saying…
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.
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!!!
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.
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.
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.
Arizona Bankruptcy Blog
FAQs About Bankruptcy in Arizona
How does Chapter 13 bankruptcy work?
For individuals who maintain a steady income but are grappling with debts that need more time to be cleared, Chapter 13 bankruptcy could provide a viable solution. This form of bankruptcy enables debtors to retain their property while adhering to a three to five-year repayment plan. In Scottsdale, the bankruptcy attorneys at Wright Law Offices utilize their expertise in developing personalized Chapter 13 plans that are uniquely designed to suit your circumstances and work in your favor.
What role can a lawyer play in tackling credit card debt?
When credit card debt spirals beyond control, the feelings of isolation and stress can be daunting. However, with a knowledgeable lawyer by your side, the situation can be transformed significantly. Lawyers are experienced in negotiating with formidable credit card companies, often succeeding in achieving reduced interest rates or a minimized debt total. At Wright Law Offices, located in Phoenix, our committed legal team stands ready to help you take back control of your financial situation and direct you towards other potential debt relief avenues like bankruptcy.
What happens when foreclosure is knocking on my door?
The prospect of foreclosure can make it seem like your world is tumbling down. Yet, it's vital to remember that there are legal routes available to navigate this challenging situation. Foreclosure is a process initiated by lenders when mortgage payments are overdue, leading them to recover their loan by selling your property. While it sounds intimidating, our adept team at Wright Law Offices in Tempe is here to assist. We guide you through every step of the process, thoroughly exploring all viable options, such as loan modification, bankruptcy, or even contesting the foreclosure in court.
What is a tax debt lawyer's role?
Being in debt to the IRS can create enormous stress. However, a tax debt lawyer can intervene and significantly improve your situation. They're skilled in negotiating a viable payment plan with the IRS, striving to reduce the tax debt you owe, and in certain scenarios, even getting penalties and interest absolved. The proficient team of Scottsdale tax debt lawyers at Wright Law Offices is committed to helping you face this challenge with optimism. Leveraging our deep knowledge of tax law, we're dedicated to securing the best possible outcome for every client we represent.