Are you having difficulty making your regular mortgage payments?  Debating with your bank about missed payments? Dealing with a Notice of Intent to Foreclose or a foreclosure complaint?  Has a foreclosure judgment issued against you?  Is a sheriff sale of your property scheduled?  You still have options.

Any of these scenarios can be daunting. To make matters worse, you may receive a slew of offers for help from debt relief counselors, real estate agents, and yes, even attorneys watching the public records. Finally, your bank may be less than helpful, or worse, simply wrong about the facts and history of your case and your available options.

Are you uncertain about your payment history? Are you confused because you made payments the bank says you didn’t? Did the bank provide you with a printout you can’t understand?

I can help. In addition to my legal training, I hold degrees in business and applied chemistry. My PhD work involved analyzing large sets of data. If necessary, I won’t hesitate to dive deep into your payment history to carefully review, understand, and explain it regardless of how many codes the bank uses or how they present the numbers in your account.

I work with a nationally renowned mortgage industry expert. Ownership of your loan can change. So can the foreclosure alternative programs available to you. It’s important to stay current on the details. Unfortunately, banks can and do get them wrong. You have the right to clarity regarding any issue the bank takes with your account to place it in default. The bank is required to provide you with accurate information about your account as well as your options if you fall behind.

I’ll review the bank’s records, note any problems with their position and communicate them to the bank, its lawyers, and if needed the judge assigned to your case. Equally important, I’ll keep you aware of the details, good or bad, in straightforward terms so you have the information to make the best choices given your particular situation.

My objective is to ensure you receive every opportunity for which you qualify to protect your home. Sometimes, your bank will get things right and make the best offer available. When it doesn’t, being mindful of the details is your best protection.

Whether you are ready to begin or simply looking for more information, feel free to reach out to discuss your issue.

Christopher G. Izzo, Esq, MBA PhD