Although foreclosure rates have recently begun to decline, homeowners throughout the country are still struggling with underwater mortgages, financial uncertainty, and the threat of foreclosure. Unforeseen tragedy, including the loss of a loved one, injury or illness, and job loss can also contribute to difficulties with paying one's mortgage.

If you or your loved one is currently facing foreclosure, you are not alone. Millions of Americans, and many in Modesto and Stockton, are continuing to struggle with foreclosures. At Scott Mitchell Law Incorporated, our foreclosure defense attorneys are prepared to work personally with homeowners in need of exploring their foreclosure defense options.

Personalized Service

Because each individual's financial situation is unique, your foreclosure defense options will depend heavily on personal factors. For many, bankruptcy can be a powerful tool in defending against foreclosure. The automatic stay, for example, may provide homeowners with the necessary time and funds to become current on their loans, or to explore other foreclosure alternatives, including:

• Short sales
• Deed in lieu of foreclosure
• Restructuring of debts in Chapter 13 bankruptcy

Regardless of your current situation or concerns, our legal team is here to help you assess the various methods that can be used to defend against foreclosure. We work closely with our clients to understand their needs and goals, and strive to find effective, favorable solutions to their unique problems. We understand that foreclosure can be a frightening and overwhelming experience, and offer our sincere support and constant availability to local Modesto and Stockton residents in need.

For a free consultation, call (209) 418-7386 or fill out a free case evaluation form.