Local Foreclosure
Defense Attorneys
If you are behind in your mortgage payments do not bury your head in the sand. Many people think that they can just leave the home with no consequences. Nothing is further from the truth.
Protect your credit and your assets without paying rent elsewhere.
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Property Retention Solutions
Are you months behind on your mortgage payments? Does foreclosure seem imminent?
If you are finding yourself in a financial crisis, mortgage restructuring may be a viable option for you to alleviate your financial solution and keep your property.
If you are experiencing financial hardship due to medical or employment issues, a loan modification may be the most agreeable solution for you.
Our experienced attorneys create strategic restructuring options that appeal to your mortgage lenders.
Defective Mortgage Defense
If you are behind in your mortgage payments, it is possible that you were a victim of your mortgage lender. Many houses today have been foreclosed due to mortgage brokers who do not act in the best interest of their clients. Homeowners have been granted loans above their means with terms that are not compilable to their circumstances.
Citizens Law Group Ltd. will evaluate your case to see if you qualify for defective mortgage defense. Typical cases of defective mortgage include:
Mortgage payments at half to more than your monthly income
A recently purchased home valued at much less than was paid for it
Lender refusal of refinancing
To defend against a defective mortgage, the attorneys at Citizens Law Group Ltd. can take legal action against all parties involved with the faulty transaction, including lenders, account management, underwriters, appraisers and more.
About Citizens Law Group
Joshua M. Martin is the founder of Citizens Law Group. He has distinguished himself as one of the most effective short sale and modification negotiators, having represented thousands of distressed homeowners over the past several years. In addition to assisting homeowners in foreclosure to save their home, Joshua has also successfully negotiated with lenders to reduce his clients’ monthly mortgage payments and principal balances due on the mortgage.
Additionally, for those homeowners who do not wish to retain their property, Mr. Martin has negotiated hundreds of short sales that allow his clients to make a distinguished exit from their property without having personal liability for the debt.
Testimonials
I was fortunate to have met Josh during a very tough stage in my life financially. He executed a strategic plan that saved my home and got my spiraling debt under control. I recommend him to anyone with debt or real estate troubles.
James
Joshua was extremely helpful during a difficult time in my life. He was able to understand my situation and provide various opportunities for me to get out of my financial situation. I’m extremely impressed with his ability to both empathize with me while still providing calming answers to my complex situation. Thank you.
Derek Berman
My transaction is not finalized yet, but so far Josh and Lupe were great and very responsive, always on top of their game. A huge improvement from my last lawyer.
Julia K
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