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Market East, Philadelphia

Financial problems can be stressful and frightening.

Collection agents are constantly calling, demanding payment to the point you avoid answering the phone. Creditors may be threatening to garnish your wages or levy your bank account if you don’t pay. You may be worried you could lose your home because you have fallen behind on your mortgage. The worst part is that your financial difficulty may not be due to anything you could control.

You may have suffered a sudden job loss, the death of a spouse who was the primary wage earner or medical bills from an unexpected illness that are not covered by insurance. The Law Offices of Georgette Miller and Associates can help relieve your stress and get you back on your financial feet.

Chapter 7 Bankruptcy Attorneys in Market East

Chapter 7 bankruptcy can provide you with a fresh start. Under Chapter 7, you may be able to eliminate the majority of your debts. Although it is possible you could lose some assets, many of the things you own are exempt from seizure under the law.

In most cases, you can keep your home, your vehicle and tools you need to work along with other household items. You eliminate the debt that is dragging you down so that you can begin getting on your feet again. Georgette Miller and Associates can review your circumstances to see if Chapter 7 is right for you.

Chapter 13 Bankruptcy Attorneys in Market East

If you have steady income but are having difficulty paying your bills, you may qualify for Chapter 13 bankruptcy. Under Chapter 13, a payment plan is arranged with your creditors that allows you to repay your debts in between three and five years.

Creditors may lower your interest rate or change the terms of your repayment schedule in order to lower payments so that you can afford them. Under Chapter 13, you may also be able to include past due mortgage payments which may allow you to keep your home even though you have filed for bankruptcy. The bankruptcy attorneys at Georgette Miller and Associates can review your circumstances to see of Chapter 13 is the answer for you.

Loan Modification Attorneys in Market East

Being behind in your mortgage can be frightening as getting too far behind could mean losing your home. For many homeowners, loan modification is the best way to remain in your home and bring payments back up to date.

Under modification, your lender changes the terms of your loan so your payments are lower and you are able to get back on your feet. Contact Georgette Miller and Associates to see if modification is right for you.

Real Estate Attorneys in Market East, Philadelphia

Every real estate transaction is complex, even when it seems simple. You should never enter into any real estate agreement without representation.

Too often, buyers and sellers rely on the same attorney during a transaction, but it is important to know that the attorney only represents one side in the transaction. If they were hired by the seller, they represent the seller while the attorney hired for the buyer represents the buyer. In order to protect your interests, it is important to hire your own attorney who will be sure your legal rights in the transaction are protected.

If you or a loved one are facing collection calls or foreclosure, contact Georgette Miller and Associates today to learn if bankruptcy or modification of a mortgage loan is right for you. You can arrange for your initial consultation by telephone or complete the simple form on our website.