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The
Christopher Legal Group represents clients in Greater Las
Vegas. We combine experienced legal counsel with personal
service to provide practical solutions for our clients needs.
Our
state is at the forefront of the current recession. Our city
is dealing with problems that most of us have never seen.
The collapse of the Las Vegas real estate market and the rising
unemployment rate are causing more people to feel smothered
by mortgage obligations and ever increasing credit card payments.
This has greatly contributed to Nevada having one of the highest
foreclosure rates in the country.
Our goal is simple . . . We want to help our clients get
back on their feet as quickly and painlessly as possible.
For more comprehensive information on how we may serve your
needs either select one of the links or contact our office
to arrange a consultation. Below, you can also preview our
practice areas.
Bankruptcy
The decision to file for bankruptcy is a difficult one. In
many instances, however, it is the best option. For example,
filing for Bankruptcy can stop a foreclosure, repossession,
or garnishment, allowing you some precious time to deal with
your financial difficulties. In addition, you may be able
to eliminate many types of your debt (in a Chapter 7) or develop
a payment schedule (in a Chapter 13) to ease your financial
burden.
»
click here for more information on our Bankruptcy legal services
for Las Vegas, Nevada
Options for
Foreclosures
The recent economic downturn has caused many to financially
suffer in ways they never previously imagined. The strain
from agonizing over finances often takes a toll on other aspects
of one’s life. Despite what you may feel, there are
alternatives that can ease the burdens and help you get back
in control. In addition to Bankruptcy, you may also have the
option of doing a short sale, deed-in-lieu of foreclosure,
or loan modification.
»
click here for more info on our legal services to help borrowers
deal with Foreclosure
Loan Modifications
A
loan modification is a change in one or more of the terms
of a mortgage, typically allowing a delinquent loan to be
reinstated to “current” status, and resulting
in a new payment that a borrower can afford. The loan modification
may be permanent or for a limited time. The
modification generally changes the interest rate of a mortgage.
In some instances, the term of the mortgage may be lengthened
which also can help lower a monthly payment. Also, there is
widely held belief that the mortgage lenders also regularly
reduce the principal balances of mortgages. In all practicality,
it is extremely rare that this happens.
»
click here for more information on loan modifications
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