
Killeen & Waco Home Loan Modification Lawyer
If you own a home and are facing foreclosure because you are behind on your mortgage payments, do not forget that you have options other than filing a Chapter 13 bankruptcy case. Working with an experienced mortgage modification attorney and filing for a home loan modification can be a better alternative for you.
When your home loan has entered the foreclosure process, your mortgage servicer has retained an attorney and has commenced a legal process to take your home. You, therefore, need to also hire a foreclosure defense attorney knowledgeable in mortgage modification to represent your interests and protect your home. Thousands of Americans have lost their homes because they worked with a mortgage servicer and thought that the foreclosure process had stopped when indeed it had not. If the creditor who wants to take your home away from you has hired an attorney, you need one too.
How Long Do I Have To File a Mortgage Modification Application?
If you file a complete home loan modification application 37 days before a foreclosure sale, federal non-bankruptcy law requires that the foreclosure process stop while your mortgage servicer reviews that modification application. It is therefore vital that you contact Erin Shank to commence the modification process as soon as possible. Texas is a non-judicial foreclosure state C this means that for most home loans, the lender can foreclose on your home without ever asking a judge for permission. Since the process of foreclosure is very quick in Texas, contacting a lawyer familiar with foreclosure defense strategies and bankruptcy law is vital. Erin Shank is such a lawyer and has almost four decades of experience representing individuals just like you.
If you retain Erin Baker Shank less than 37 days before foreclosure, Erin will attempt to stop the foreclosure sale with a written agreement from the mortgage servicer, while a home loan modification application is completed and reviewed. If such an agreement cannot be reached, she will file a Chapter 7 case, or sometimes rarely a Chapter 13 case, in order to automatically stop the foreclose sale of your home. Foreclosure is therefore stayed by the bankruptcy filing, and then a home loan modification application is submitted to the mortgage servicer. While a complete home loan modification application is pending, the servicer cannot start the foreclosure process without violating federal law.
Erin has obtained hundreds of home loan modifications for her clients, thereby avoiding an unnecessary five-year wage and federal income tax refund garnishment required for clients who file a Chapter 13 case to save their homes. She is proud of her law firm's innovative process of retaining client=s homes without the necessity of filing a Chapter 13 case.
What Is Included in a Home Loan Modification?
In a home loan modification, Erin requests that the interest rate be reduced, and the term or length of the loan be extended so that the missed payments are cured over a longer period of time and at a reduced interest rate. Other modifications include putting the missed payments at the end of the note. This is a much more sensible way to cure missed home mortgage payments and let clients retain their homes. It is much better than a five year Chapter 13 wage and income tax refund garnishment case.
Work With an Experienced Mortgage Modification Attorney From the Comfort of Your Home
Attorney Erin Baker Shank have helped thousands of Texans through trying times. Erin has over 40 years of experience and deep knowledge of home loan modification, foreclosure defense, and bankruptcy law. She knows what you and your family are going through. Erin can help you understand your situation and explain what options will move you forward.
Erin offers a 100% virtual experience to save your home. Her firm is committed to your convenience and safety. Erin provides virtual consultations, electronic document gathering, electronic signatures, and e-filing. She is the only completely virtual touch-free bankruptcy attorney in Central Texas. That means you can move through both the loan modification process and/or a bankruptcy case filing without ever leaving the comfort and safety of your own home.
For a free virtual initial case review, contact Erin online or call (254) 690-4110 today for a home load modification lawyer near you.
What Sets Us Apart
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Practice Exclusively Dedicated to Bankruptcy Law
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Affordable & Flexible Payment Plans
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Over 40 years of Bankruptcy Experience
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100% Virtual – Safe & Convenient
Listen to Erin Answer Your Questions!
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What Makes You Uniquely Qualified as a Bankruptcy Attorney?
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What is a mortgage modification?



What Our Clients Say
Real Stories from People We've Helped Through Financial Hardship
At Erin Baker Shank, P.C., your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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Making the decision to file bankruptcy is not only one of the hardest decisions to make but with it comes a certain degree of feeling shame. Erin and Melissa averted all of those feelings for me with kindness and professionalism. They talked me through every step and made the entire process as easy and stress free as possible.Kris L.
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Ms. Shank and Sharlyn were absolutely fantastic! Very helpful, and knowledgeable and answered any questions or concerns we had. They truly pulled off a miracle. If you’re thinking of filing for bankruptcy, Ms. Shank is the woman for the job.Monique K.
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I'm very grateful to this firm. I had doubts of being able to get a fresh start. They assured me that there is a way. It may have took a little longer due to my situation but they prevailed.Ed B.
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Erin is really good at what she does. You will be very pleased if you select her to represent you. Her staff is very professional. The best thing about them all is that they truly cared about me.Don K.

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