For the vast majority of us, it's brutal trying to survive in today’s economy.  The banking institutions, the lending institutions, the mortgage industry, the insurance companies, the oil companies, and our “let-them-do-whatever-they-want” style of government have put us in a crisis.  With astronomical profits, oil companies  pulverized us at the pump with ridiculously inflated prices.

Greedy mortgage lenders and brokers wooed us into horrible loan deals.  They lied to us and told us we’d be able to refinance later for better rates.  They placed false information on our loan applications.  They went into lower income neighborhoods and intentionally lured unsophisticated borrowers into horrendous deals. 

Credit card companies barrage us with offers as if they want to be our best friend.  Now that most of us have fallen on hard times, these industries have become ferocious beasts chewing us up and spitting us out without any conscience. Credit card companies love to kick us when we are down.  Pay late and they mercilessly jack up your interest rate.  Then they tack on obscene penalties.  When you need relief the most, they do everything to keep you down.  They send your telephone numbers to massive, computerized call centers overseas.  Automated telephone dialers ring your telephone non-stop.  They'll stop at nothing even calling cell phone numbers to keep you constantly under attack everywhere you go.  Next comes the lawsuit and the humiliation when your employer is ordered to garnish your wages for payment to creditors.

Millions of Americans are living under these conditions.  Thousands upon thousands have been forced out of their homes.  Lenders file deficiency judgments against the newly homeless.  The unconscionable greed of these institutions is despicable.  They authored this disaster and now are crushing Americans to pay for their sins.

Your human spirit is at stake.  No one can prosper and flourish when they are being so mercilessly beaten down.  Worry and anxiety are killers of the soul.  It’s time to put an end to those incessant telephone calls.  Every time it rings, you are being pushed further down into defeat.  There is no rest.  After struggling to survive all day, you spend all night worried about how you are going to make it through another day.  It’s time to shed all that runaway debt which grows and grows with every penalty and interest rate hike.  It’s time to compel your mortgage company to reset your agreement to something fair and reasonable.  It’s time to fight that foreclosure action without letting them get their default judgment to take your home without any hearing.  It’s time to expose all the predatory lending tactics and lies that brought you into that lousy mortgage deal.

• IT’S TIME TO GET ON A NEW COURSE

• IT’S TIME TO SURVIVE

• MORTGAGE LOAN MODIFICATION

• FORECLOSURE FREEZING

• ELIMINATION OF DEBT THROUGH BANKRUPTCY

Simply answering a foreclosure complaint before a default is filed can provide you with many months in your home.  Many lenders, if approached by an attorney, will become more willing to modify loans.  Not paying credit card companies will provide much needed funds for necessities like food, housing, gasoline, transportation, and insurance.  Shedding debt through bankruptcy will make those calls stop and those credit card companies go away forever.  No credit card lawsuits.  No garnishments.  A chance to get back on your feet without being beaten down.

You can’t afford not to hire an attorney.  Chapter 7 bankruptcies typically cost between $1,500 - $2,500 depending on complexity. Chapter 13 bankruptcies cost between $2,500 - $3,000, with most of the fees payable as part of the Chapter 13 repayment plan.  Answering a foreclosure complaint is typically about $1,000, with ongoing legal fees far less than the cost of your monthly mortgage payment.   Now, you'll have the time to regroup, strategize, and to develop an appropriate fitting your circumstances.  Mortgage loan modifications through an attorney range from $1,900 to $3,000.  Each situation must be individually evaluated to determine the exact price.  But, in almost every case, the benefit of the service is far more valuable than the alternative of doing nothing.