Home Sweet Home

 

Home is where your heart is,

where memories are made,

families gather, and friends visit.

Your home is an emotional investment,

an investment of time and money.

When you are facing foreclosure it can feel as if you life is unraveling.  At Baker & Associates it our goal to help people with their financial difficulties and provide professional legal advice for everyday living.  Financial difficulties usually arise out of an unexpected crisis, such as loss of job, major medical emergency, divorce or business failure.  We want to be available to our clients through these difficult times and help them move forward.

Our Home Sweet Home program was created to help us utilize every possible tool allowed by law to save your home from foreclosure.  When your home is posted for foreclosure, it is important for you to know your rights in order to make an informed decision about your future.  At Baker & Associates we offer a

FREE INITIAL CONSULTATION

to discuss your foreclosure situation and any other debt related issues you may be facing.  Call today to schedule your FREE consultation.

713-869-9200
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Frequently Asked Questions:











What can you do to stop forclosure of my house?

Forbearance Agreement
A forbearance agreement is an agreement with your mortgage lender to accept certain terms and conditions for payment that allows you to keep your house. You may have tried to get your mortgage company to agree to repayment terms, but a forbearance proposal from an attorney carries more weight with the banks and therefore a greater probability of success. Remember, there is no law that allows you to keep your house without paying for it.

Obama Laws
We can assist you in evaluating new federal programs designed to save your home, including the HAMP program. We can assist you in submitting loan modification documents online for HAMP.

Re-financing your Mortgage
We have successfully assisted clients in re-financing their homes shortly before foreclosure. We may also be able to postpone foreclosure actions by obtaining a commitment for refinancing.

Taxes due on your Home
If your house is subject to foreclosure due to past due ad valorem taxes, we can show you the best solutions.

State Court Actions
If the lender has acted wrongfully, you have other re-financing arrangements, or you are attempting to sell your house and the lender will not stop foreclosure, we can assist clients with appropriate state court actions to stop foreclosures and allow the houses to be re-financed or sold. We sue mortgage lenders for wrongful actions.

Federal Court Actions
Actions can be taken in federal court to stop foreclosure including the filing of a chapter 7, 11, or 13 bankruptcy.

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How can I pay an attorney if I am not able to make my mortgage payments?

We Understand
We have payment plans that take into consideration your current payment problems.

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Can taking action to protect my house also improve my credit score?

Yes. Most of the time you can improve your credit score and open the door for future credit by correcting your current mortgage payment problems. It is important that you address these problems now in order to secure borrowing opportunities for you and your family in the future.

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Why use Baker & Associates?

We will fight for our clients. We have successfully completed many difficult and seemingly impossible actions through our Home Sweet Home program that have resulted in our clients retaining their homes. We have filed over 5000 cases yet strive to give each client the individual attention they deserve.


Stop Creditor Calls
Constant calls from creditors can be disruptive and intrusive. Baker & Associates can stop creditor harassment calls and give you a fresh start to your financial affairs.

Stop Auto Repossession
Baker & Associates has helped hundreds of our clients with auto repossession issues. We can stop creditors from repossessing your vehicle. If your vehicle has already been repossessed, contact us immediately and we may be able to have it returned to you.

Other Services
Our experienced staff can assist you with debt restructuring and debt relief issues including auto repossessions, Chapter 7 and Chapter 13 bankruptcy, workouts with creditors, and IRS tax workouts.

¡Se Habla Español!
Nuestros empleados bilingües pueden ayudar a los clientes en persona o ya sea por teléfono en Español como en Inglés.

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© Baker & Associates 2010
updated 06/2010