Finding Options for You During Difficult Financial Times
At Cabanillas & Associates, we have experience practicing in the following areas:
Foreclosure Defense - Clients come to us because they want to avoid future financial problems or are already in the midst of foreclosure. Regardless of where you are in the process, we are here to help you. We recognize what is at stake in the possible loss of your home. We will take the legal steps necessary to help you to buy more time or employ strategies to save your home.
Do not start packing the minute you receive a foreclosure notice. You have options. You have rights. You can fight to obtain the time you need during a stressful situation. Contact an attorney at our White Plains, New York, office at (888) 389-8764.
Loan Modifications and Short Sales - At Cabanillas & Associates, we work to immediately identify our clients' goals. If their objective in coming to us is to keep their home, we will begin negotiating with their bank on a loan modification. We will review all the loan documents and analyze the loan to see if there were any violations of federal or state laws.
A short sale may be an option if you cannot modify your loan. This option is necessary when the market value of the property is less than the amount remaining on the loan. Bank approval is key, and must be negotiated. If your mortgage provider agrees, we help put the property up for sale and negotiate to keep you in the house until it is sold.
Bankruptcy - While we look for non-bankruptcy options first in saving your home, Chapter 7 or Chapter 13 bankruptcy may become the best choice in giving you a fresh start. If you qualify, we will help you from the application process to the formal reorganization or discharge of your debt.
Real Estate - We help individuals and companies looking to purchase or sell real estate, resolve land use issues in a development project, or negotiate or litigate a landlord-tenant or other real estate dispute.
Contact Us
For more information or to schedule an appointment with an experienced lawyer, please contact us. We represent clients in New Jersey, New York and Connecticut.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
