When you have fallen behind on your mortgage payments and are unable to work out a loan modification with your current services, we can assist. We have helped many homeowners navigate through this difficult and emotional process and successfully modified their loans to avoid foreclosure. Although this law firm will use its best efforts to accomplish a successful loan modification without a foreclosure complaint being filed, your lender does have the right to initiate foreclosure action if you are in default of your loan. In the event, your lender decides to foreclose instead of providing you a loan modification, this law firm will assist in aggressively defending the foreclosure action and assist in negotiating with the lender and its counsel an out-of-court settlement to modify the terms of your loan, which are affordable for you and your family.