Law Offices of Christopher C. Carr

Expert Legal Help (610) 380-7969

Chester County Mortgage Mods (HAMP)

Mortgage Mods (HAMP) by Christopher C. Carr, Esq., a Chester County Bankruptcy Attorney

Law Offices of Christopher C. Carr, MBA. P.C.

This is a Federally Designated Debt Relief Agency which is proud to assist individuals in need in filing for bankruptcy protection

MR CARR IS A HIGHLY EXPERIENCED MODIFICATION LAWYER.  Whenever possible, we use one of the Portals Such as the DMM Portal which absolutely enforces lender accountability and turnaround times. Mr. Carr has been a member of the DMM Portal since 1999 and has successfully prosecuted dozens of HAMP and traditional mods.

WE SAVE HOMES

Restructure Your Mortgage with my Experienced and Comprehensive Modification Negotiation Services.

FEELING TRAPPED? You are feeling trapped and need expert help. If you are struggling to meet your mortgage payments or have fallen behind, you are certainly not alone. In today’s economy many are having a hard time making ends meet, and paying a hefty monthly mortgage may make it impossible.  To make things worse, you may have been hit with an adjustable rate increase and/or your home (you biggest investment) may now be worth way less today than what you still owe on it. You feel trapped: You can’t sell even if you wanted to and refinancing is all but impossible unless you have impeccable credit.  Unemployment and foreclosures are at levels unseen in many years.   Lender Loss Mitigation Departments, often understaffed and unprepared for the onslaught, are totally overwhelmed and it is getting worse every day.  So, if you try to do it yourself or use services by non lawyers or inexperienced ones, you may wait for a very long time but never get the mod you need if you get one at all! I get your mod request in front of the right people and I get it done fast.

Mortgage Modifications are one of our most important and gratifying areas of practice because we we get to see our work making a rapid difference for the better in the lives of families. Also, a successful modification may even be required in tandem with a bankruptcy to fully achieve your financial objectives.

I am an experienced Mod pro.  Why do you need that? Why is it worth paying for? The answer to this comes in two parts:

  1. On the one hand, loan modifications are complex FINANCIAL transactions. You need someone by your side who understands and speaks the language of banking and finance: I hold an honors MBA in Finance from a top business school, have 5 years experience as a Financial Analyst with a Fortune 100 Company, have completed the comprehensive ABA Bank Management curriculum and hold a 5 course post-MBA certificate awarded in 2000 by Penn State. Best of all, I have over time evolved a comprehensive process for creating mortgage mod packages that get ACCEPTED day in and day out.  We also understand the ins and outs of and can guide you through the shoals of the Home Affordable (Obama) Mortgage Program.
  2. On the other hand, Foreclosure is a tricky LEGAL matter involving many intricate twists and turns. Anyone who expects to succeed in this arena MUST be very conversant with these rules so as to be able to protect your legal interests. I have more than 20 years experience as a practicing business and bankruptcy attorney. I have been successfully negotiating complex real estate deals and multinational legal contracts with banks for many years.

In short, you need the BOTH EXPERIENCED FINANCIAL AND LEGAL HELP to help bring your lender to the table and provide you with the highest odds of reaching an agreement you can live with. And if things don’t work out, I will be there to suggest options and help you out legally if need be. If things suddenly turn ugly, I can seamlessly appear in court or file an emergency bankruptcy to stop a foreclosure armed with the facts I learned from preparing your modification.

You probably have seen the well meaning warnings on the Internet DO NOT PAY for modification services… you will get “ripped off’.   That may be good advice as to non-lawyer agencies, who in many instances will take the money you need to pay your mortgage and leave you with nothing to show for it!   Actually, the Lenders are not so well meaning at all, especially where they actually want you to lose your home because they can get more M O N E Y with you out of the picture…for example: if you still have equity in it or they have PMI insurance that will only pay out if they foreclose. REMEMBER LENDERS ARE BANKS AND WHAT DO BANKS WANT? M O N E Y.

The Lenders “bad mouth” us lawyers for one VERY OBVIOUS REASON…Why, because only we can sue them and keep them from getting your home and your M O N E Y! If you try to do it yourself or use mod services by non lawyers, you may wait for a very long time and never get the mod you need if you get one at all!

 Remember, even the best (and yes there are some) LENDER Loss Mitigation Departments are overwhelmed and it is getting worse every day. Unemployment and foreclosures are at levels unseen in many years. The Bank may not pick up the phone for you or a non lawyer negotiator but they will pick up for my call because they are afraid of me! And the sooner we get your case done, the sooner you can start enjoying real mortgage savings not to mention the sheer relief of knowing you will not lose your home. And if things don’t work out, I will be there to suggest options and help you out legally if need be.

 Most of my clients are people who have tried to do it themselves but have only gotten a time consuming “run around” from the lender. They may now be facing a notice of default or a frightening foreclosure which could have been avoided had they used a knowledgeable attorney like myself. 

 Let me help you get your modification quickly and efficiently, WITHOUT the old LENDER RUNAROUND.  Whenever possible, we use one of the Portals Such as the DMM Portalwhich absolutely enforces lender accountability and turnaround times. Mr. Carr has been a member of the DMM Portal since 1999 and has successfully prosecuted dozens of HAMP and traditional mods. .

To schedule your free initial consultation, please use the form below; call (610) 380-7969 or email me at cccarresq@aol.com.  DO IT RIGHT AWAY!

Law Offices of Christopher C. Carr, MBA.  P.C., is a quality Chester County Bankruptcy Law Practice located in  Valley Township, west of Coatesville, Pennsylvania, where Attorney Carr concentrates his practice on serving the residents of and businesses located within Western Chester County and Eastern Lancaster County, Pennsylvania, including the communities of Atglen, Bird in Hand, Caln, Christiana, Coatesville, Downington, Eagle, East Fallowfield, Exton, Gap, Honeybrook, Lancaster, Lincoln University, Modena, New Holland, Parkesburg, Paradise, Ronks, Sadsbury, Thorndale, Valley Township, Wagontown & West Chester,  Pennsylvania.