Massachusetts and Boston Foreclosure Attorneys & Lawyers

At Mass Debt Solutions we help you take contol and get you life back on track. The Massachusetts Law Offices of attorney Richard Ravosa can help you decide a path forward and overcome debt with dignity.

Foreclosure Prevention

Our team of experienced attorneys and support staff have helped hundreds of people in Massachusetts save their homes from foreclosure each year. If you, a family member, or loved one is facing foreclosure, are behind on mortgage payments, or have received demand letters from an attorney, time is of the essence and it is important to act quickly in order to preserve and protect your home from foreclosure. Often times, foreclosures occur because of unexpected events that happen suddenly and leave people with a feeling of helplessness, such as a death in the family, a costly divorce, job loss or salary reduction, or a mountain of medical bills. Sometimes it is an adjustable rate mortgage (ARM) that has caused your monthly mortgage payment to skyrocket or a forbearance or loan modification with your bank has not worked out. Perhaps it is difficult for you to communicate with your bank and get a straight answer from any one of your banks revolving door employees who never seem to be there when you call back. Or worse yet, you keep getting put into your banks voice mail system and are left feeling frustrated, alone and in limbo during this difficult time.Whatever the problem is, we have seen it before and understand it, and can explain the process to you and let you know where you stand and what we can do for you to save your home from foreclosure.

Loan Modification

The Massachusetts Loan Modification Center has only one core mission, and that is to provide mortgage modification help by favorably adjusting your interest rate, your principal balance, the length of your loan or by forgiveness of past due amounts, late fees and collection costs. While each person’s current mortgage and financial circumstances are different, you will enjoy the benefit in knowing that your no cost consultation will be with a licensed Massachusetts Loan Modification Lawyer who has a record of success in obtaining loan modifications. You will receive a complimentary analysis of your loan or loans, as well as advice on what options you may have available to reduce your monthly payments or otherwise assist you in obtaining a new payment arrangement with your lender.

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Call Now (617) 720-1101

Bankruptcy

Bankruptcy is a legal proceeding in which an individual who cannot pay his or her bills can get a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.There are four types of bankruptcy cases provided under the law:
Chapter 7 is known as “straight” bankruptcy or “liquidation.” It requires a debtor to give up property which exceeds certain limits called “exemptions”, so the property can be sold to pay creditors. In most cases, our clients are able to exempt all of their assets and keep all of their property and get rid off all of their debt.Chapter 11 known as “reorganization”, is used by businesses and a few individual debtors whose debts are very large.Chapter 12 is reserved for family farmers.Chapter 13 is called “debt adjustment”. It requires a debtor to file a plan to pay debts (or parts of debts) from current income. Exemptions also apply in a Chapter 13.

Our team of experienced attorneys

and support staff have helped hundreds of people in Massachusetts save their homes from foreclosure each year. If you, a family member, or loved one is facing foreclosure, are behind on mortgage payments, or have received demand letters from an attorney, time is of the essence and it is important to act quickly in order to preserve and protect your home from foreclosure.

Often times, foreclosures occur because of unexpected events that happen suddenly and leave people with a feeling of helplessness, such as a death in the family, a costly divorce, job loss or salary reduction, or a mountain of medical bills. Sometimes it is an adjustable rate mortgage (ARM) that has caused your monthly mortgage payment to skyrocket or a forbearance or loan modification with your bank has not worked out. Perhaps it is difficult for you to communicate with your bank and get a straight answer from any one of your banks revolving door employees who never seem to be there when you call back. Or worse yet, you keep getting put into your banks voice mail system and are left feeling frustrated, alone and in limbo during this difficult time.

Whatever the problem is, we have seen it before and understand it, and can explain the process to you and let you know where you stand and what we can do for you to save your home from foreclosure.

Our website can help you become informed about what some of your options are, but for a case evaluation tailored to your specific circumstances, give us a call for a no-cost consultation (617) 720-1101