Welcome to Certified Legal Loans!

FORECLOSURE OPTIONS Some of the most common options include refinancing to roll past due payments in to the loan and “start fresh” with the mortgage debt, a debt workout plan, or a Chapter 13 Bankruptcy. Given the current mortgage meltdown, most companies are not allowing homeowners to refinance their mortgage loans, even if they have a superior credit rating. Even so, refinancing is usually not an option since the mortgage companies will generally not lend to someone who is currently delinquent on their mortgage payments. Many people facing foreclosure find that filing a Chapter 13 removes the immediate threat of foreclosure and allows them to catch up on past due mortgage payments over time. Certified Legal Loans would only recommend a Chapter 13 filing as an absolute last resort to getting out of foreclosure! There are other options available to you, which is why we are here to help. If you are potentially facing a foreclosure or if you know someone who is or may be, please contact us today to learn about your options. We may be able to keep you out of foreclosure, in your house and out of bad debt. Click here to learn more