Loan Modification

In 2009, the government created the Home Affordable Modification Program (HAMP), which is part of the government's Making Home Affordable Program designed to provide relief for troubled homeowners. HAMP helps troubled homeowners by reducing their mortgage payments so that these payments are 31 percent of their pre-tax monthly income.

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Foreclosure Law provides the means for a mortgage lender to take possession and sell a home when the borrower has defaulted on a loan. The money from the sale is used to pay off the balance of the loan, and borrower may be held personally liable for the difference, in addition to being forced out of their home. From a lender's perspective, foreclosure is slow and expensive.

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Real Estate Closings

Purchasing residential or commercial property is a big financial decision in any person's life. For most, it represents the largest financial purchase. This can be a complicated process, so it's important to have sound legal advice when you're taking this major step. At the Law Office of Jorge and Acosta, we will assist you through all stages of the process, making sure that you get fair deal and advantages terms.

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Many clients ask this question and the simple answer is: Chapter 7 Bankruptcy is designed to "wipe clean" or discharge your unsecured debts. This can be an extremely valuable tool if you have high credit card debt, medical bills or a personal loan that is unsecured. Certain unsecured debts cannot be discharged in a Chapter 7.

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