Attorney in Hartford: Mortgage Credit Issues
Experienced Representation for Clients throughout Central and Northeast Connecticut
If you have fallen behind on your mortgage payments and are facing foreclosure, you want an experienced and knowledgeable lawyer to protect your interests, one who knows how to slow down the foreclosure process so that you can determine your options and find viable ways to keep your home. While you deal with the uncertainties involved in trying to avoid the loss of your home, you want an attorney who will be there and who will return your calls when you have concerns.
At the law office of Ayars & Associates, LLC, in Glastonbury, I represent individuals throughout the greater Hartford area and across central and northeast Connecticut. I strive to create an informal atmosphere where you know you have access to me and that your concerns will be heard and addressed. I have extensive experience in real estate matters and have served as a mediator and arbitrator in real estate matters for the American Arbitration Association. Contact my office to set up a consultation.
My Mortgage Foreclosure Practice
Because I have worked closely with many individuals who faced foreclosure, I have developed a list of banks that I know will work with owners who want to keep their homes. I have handled a wide range of foreclosure actions, using workouts, short sales, modifications and loan restructuring to help individuals avoid the loss of real property.
- Workouts. I can help you modify or restructure your loan to avoid foreclosure. This can include changes in the terms of your loan, including the length of the mortgage, the interest rate, and even the amount financed. It can involve the sale of your mortgage to a new lender with a built-in period of forbearance to allow you to enhance your ability to repay the loan. In some situation, defaulted payments can be moved to the end of the loan or delinquencies can be financed over the life of the loan.
- Short sales. In certain situation, I can help you avoid foreclosure through the short sale of your property. In this scenario, your lender agrees to allow you to sell the property for less than the amount owed and forgives the difference, so that your mortgage is paid off and you owe nothing further to the lender.
- Hardship letters. I will review or draft a hardship letter for you, if you want to exercise your right to request a mediator for a restructure before foreclosure is complete.
Affordable Legal Advice
I can offer you a low-cost solution. For $75 you can have up to 45 minutes of my time. I have been in private practice for 25 years. I will provide you with a casual, friendly environment in which you will feel more comfortable. I know the legal system and having familiarity with many legal problems. I can help you answer your legal questions. I can advise you as to the risks that you may face. I want to provide you with the information that you need so that you can decide what to do. Knowledge is power. The more informed that you are about your options, the better decisions you can make. You will also be able to assist your lawyer and perhaps, reduce the amount that you will pay for legal representation.
Are you concerned about the costs associated with hiring an attorney? Click here to read my flyer regarding legal costs.
Contact me or call my office at 860-266-4104. I am conveniently located just 8 minutes from Hartford, with easy access from I-91 and I-2. My offices hours are flexible and evening and weekend appointments are available upon request. If you cannot travel to my offices, I will arrange to meet you in your home or other location.
Ayars & Associates, LLC
95 Oak Street
Glastonbury, CT 06033
Telephone: 860-266-4104 | Fax: 860-652-7073 | Toll Free: 888-645-5434
Map & Directions At the law office of Ayars & Associates, LLC, in Glastonbury, I represent people throughout the Hartford area and across central and North Eastern Connecticut, including the communities of South Windsor, Glastonbury, Hebron, Coventry, Windham, Colchester, Marlborough, Andover, Enfield, Manchester, East Hartford, West Hartford, Cromwell, Newington, Wethersfield, Rocky Hill, Bristol, Middletown, Tolland and Vernon; and in Hartford County, Tolland County and Middlesex County.
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