Contact John McKeown
The potential to have your home foreclosed upon by your mortgage company or lending institution used to be a relatively rare event, but the number of people struggling to keep their homes has dramatically increased in recent years. As a Rochester foreclosure defense lawyer, I work with individuals and families who have fallen behind on mortgage payments to find reasonable solutions to their debt problems.
My name is John McKeown, and for more than 25 years, I have served the Canandaigua and Rochester area of New York in bankruptcy law and other legal disciplines. If you are concerned about losing your home, I strongly encourage you to speak with me before making any drastic decisions about your finances.
- Home Affordable Modification Program (HAMP): If you are simply behind on your mortgage payments and do not have much unsecured debt (i.e., credit card debt, medical bills and personal loans, etc.), then you may qualify for mortgage assistance under HAMP. This federal program provides homeowners with a way to restructure and reduce their monthly mortgage payments to help them remain in good standing with their lenders.
- Chapter 13 Bankruptcy: If you are struggling with your mortgage as well as unsecured debts, then it may be best to file for bankruptcy. Even if you are close to having the gavel come down on home foreclosure, filing for Chapter 13 bankruptcy will place an automatic stay on all foreclosure actions against you. This bankruptcy option can restructure all of your debts into a manageable repayment plan that is completed in three to five years.
Do Not Drain Your Savings And Retirement Accounts
Many people who face foreclosure will drain their investment accounts, take on multiple jobs or look for more lines of credit to get them through. The truth is, these methods often only prolong the inevitable and can leave you with an even more difficult financial situation than when you started. Contacting an attorney can get you the help you need to protect your home and assets.
Contact John F. McKeown For Help Today
I welcome you to call my office at 585-337-0479 to schedule an initial consultation. During this meeting we will discuss your legal situation and the ways that my legal services could provide you with solutions. Preventing mortgage foreclosure is possible, and when you call my office you can get started right away.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.