335 Evesham Avenue Lawnside, NJ 08045
The attorneys at the Law Offices of Georgette Miller & Associates, P.C. are dedicated to meeting the individual needs of our clients. We have opened 5 offices in order to meet our clients face-to-face whenever possible, believing that personal interactions facilitate the best possible results.
Phone: (856) 323-1100
Fax: (856) 546-5200
Our New Jersey office is located in close proximity to the New Jersey Turnpike, Route 295, and White Horse Turnpike. Our office location makes it convenient for clients in New Jersey or Chester County, Pennsylvania to get the individualized attention that they deserve, including people living in the following towns:
By focusing our practice areas to bankruptcy, modification, and real estate law, our attorneys develop the necessary expertise to provide the best possible advice for our clients. We are dedicate to the idea of zealous advocacy, but never forget that what matters most is the best interests of our clients.
When a person or business entity faces serious financial hardships that make it impossible to pay the incoming bills and meet ongoing financial obligations, it may seem like bankruptcy is the only option.
While our attorneys believe that bankruptcy provides a critical mechanism to permit someone to discharge or restructure debt to the point where they can manage the payments, we always consider alternatives with our clients. When the hardship that has led to the contemplation of a bankruptcy filing is temporary, it is possible to negotiate with creditors in order to arrive at a solution that works for everyone.
Many times, creditors would prefer this to taking their chances with a bankruptcy case where other creditors may have priority over them and they are left with little or no payment at the end of the action. However, when bankruptcy is the right decision, we will ensure that all the prerequisites are met, including credit counseling for individuals, and that the proper documentation is submitted so that the determination of the bankruptcy trustee is as favorable as possible for our clients.
Individuals looking for a loan modification are confronted with many of the same issues as those who have contemplated bankruptcy. When there is a change in circumstances or a financial hardship, it may be difficult for an individual to foresee a time when they can make their mortgage payments again. Our attorneys will go through a detailed analysis with our clients in order to determine whether or not it will be possible to reduce the house payments to a level where the homeowner can make them regularly – typically this means that the payment is about one-third of the income of the individual or household. Then, we will work with the homeowner and the lender to negotiate a reduction in payments through a decrease in interest rates, a longer loan term, and possibly a reduction in the principal balance. Lenders are aware that they frequently receive far less in a foreclosure than in a successful loan modification, so they are willing to negotiate.
In a real estate transaction, the finances of the deal play a primary role throughout the process. At the Law Offices of Georgette Miller & Associates, P.C., we understand how to analyze a deal and arrive at the appropriate conclusion about feasibility and practicality. We are skilled at negotiating deals and drafting purchasing or sale contracts, structuring financial packages, and ensuring that all relevant details are addressed in order to avoid unexpected surprises at closing or afterwards. For individuals and families making a residential purchase, we know how to make the entire experience as stress-free as possible.
The attorneys at the Law Offices of Georgette Miller & Associates, P.C. are focused on a commitment to our clients. Whether it is through a visit to our Lawnside, New Jersey office or any other office in New York or Pennsylvania our clients will find professionalism and a commitment to providing the best possible legal services. Please contact us to schedule an evaluation of your legal needs in the New Jersey area. To schedule an appointment, call us at 1-866-96-GMLAW (866) 964-6529).