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Foreclosure Defense Lawyers in Northwest Georgia


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Foreclosure of your home can negatively affect your credit rating and could result in a deficiency judgment against you if the home is worth less than the mortgage amount. With nearly 20 years of combined experience, Bournakis and Mitchell, P.C. can examine your options and walk you through the process.

What are some agreements you can make with lenders to avoid foreclosure?

  •  Forbearance
  •  Loan modification
  •  Repayment plan
  •  Reinstatement
  •  Refinance

Most lenders can work with you to help avoid foreclosure through these processes. Forbearance occurs when a lender temporarily reduces or suspends a borrower’s mortgage payments. This allows the borrower to pay back the missed payments later and is useful if the borrower can prove that an influx of money from a tax refund or bonus will be available in the future.

Loan modification is an agreement between the borrower and lender to change the original terms to make the mortgage more affordable. Bournakis and Mitchell, P.C. can provide knowledgeable and friendly legal assistance from a Northwest Georgia bankruptcy attorney to handle issues with foreclosure.

Understanding Your Options for Avoiding Foreclosure

Refinancing your home may also be a solution in cases where the equity of your home is enough to pay off your mortgage, attorney fees, and late fees with a new mortgage. In order to avoid the negative credit consequences of a foreclosure, you may also give your deed to the lender, who can then cancel your debt and sell the house.

Selling your home yourself is another option that can help pay off your debt and avoid foreclosure. The dedicated Northwest Georgia bankruptcy lawyer at Bournakis and Mitchell, P.C. can analyze the facts of your situation, offer legal advice, and explore your options to help prevent foreclosure.


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