Mortgage Modification & Foreclosure Defense

Mortgage Modification


Many people seek our assistance in obtaining a modification of their residential mortgage.  If you have tried to obtain a modification on your own, you know how frustrating that can be – endless paperwork, lost documents, no straight answers.


Although many lenders have conventional modification programs, the best chance to successfully modify a mortgage is under the “Home Affordable” or “HAMP” program sponsored by the federal government. Rules governing the HAMP program encourage modification during or in connection with bankruptcy.


The HAMP target is to bring your mortgage payment to within 31% of your gross income. That can often be achieved through lowering your interest rate and extending the term of your mortgage.


Unfortunately, not everyone qualifies for a HAMP modification. Your income may be too high – or it may be too low. Only “Fanny Mae” or “Freddy Mac” insured mortgages qualify for the HAMP program, although HUD and FHA have similar programs. Even if you do not qualify for a HAMP modification, you should investigate whether your lender has a conventional modification program for which you can qualify. It may mean the difference between keeping your home and letting it go. I would be happy to assist you in that effort.

Chapter 13 Bankruptcy


Chapter 13 bankruptcy provides an effective means of bringing your mortgage current and for modifying your mortgage through a special mediation program offered by the Bankruptcy Court. For more details, see the section entitled how bankruptcy works and accompanying FAQ’s.

Foreclosure Defense


It is said that home ownership epitomizes the “American dream.” For many, that dream has come under attack by a foreclosure suit. If you have been sued for foreclosure or if your lender has threatened to foreclose, you should know that you may have valuable legal rights that can be asserted in a defense of the suit. To do that properly, you need the services of a qualified attorney. We can help.

Short Sale


A short sale is another avenue that may prevent foreclosure. A short sale in real estate means that the mortgage holder is accepting less than the total amount due. To help you decide if a short sale is the right decision for you, and to help you negotiate the offer with the lender, you need to consult a qualified attorney. I have been advising clients in Central Florida for more than 35 years. Let me put my experience to work for you. Consultations are free.


I would be happy to assist you in deciding if a short sale is the right decision for you, and to help you negotiate the offer with the lender. I have been advising clients in Central Florida for more than 35 years. Call 407-932-1115 or email us. We can help.​ Consultations are free. 

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A. Clifton Black, Attorney at Law

100 North John Young Parkway, Suite B
Kissimmee, FL 34741
Telephone: 407-932-1115
Fax: 888-347-6351

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