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West Virginia Mortgage Negotiation Lawyers

Many lenders are open to modifying loans and have established programs to facilitate the efficient modification of interest rates, mortgage durations or loan amounts. This is a particularly attractive option for homeowners who are not eligible for a Chapter 13 bankruptcy or who, for some reason, do not wish to file bankruptcy. However, there are a number of potential pitfalls that await in the path of a homeowner, particularly one who attempts to negotiate with the lender without legal assistance.

To learn more about loan modifications and whether that is the right approach for you, call Hamilton, Burgess, Young & Pollard, P.L.L.C.., at 304-574-2727 . In a free consultation, an attorney can explain the loan modification process and help you decide if that approach or another debt relief solution is best for you.

Helping Homeowners Keep Their Homes

At our law firm, we are dedicated to helping people obtain debt relief through loan modifications, Chapter 13 bankruptcy, Chapter 7 bankruptcy and other means. Our lawyers understand the loan modification process and how to persuade banks to modify loan terms. When we handle your case, we will seek the best possible result for you.

Are You Tempted To Negotiate On Your Own?

Before you start negotiating with your mortgage company, you should learn about loan modifications and what lies ahead. These are some of the challenges you face:

The right hand does not know what the left hand is doing — Many mortgage lenders are large institutions. While you are negotiating with a loan officer, another arm of the lender may be preparing to foreclose.

Modifying a loan is a complicated process — Numerous documents must be collected, reviewed and organized. If the mortgage is a government-backed loan (as most are these days), Fannie Mae must give its approval. It can take a year or longer to complete the process. In the meantime, you are paying high interest charges.

One mistake could trigger a foreclosure or send you back to Square One — When it comes to getting a loan modification, the risks of failure are high.

Put Our Experience To Work For You

Our law firm is experienced in negotiating loan modifications. We know the process, what is and what is not possible, and how to navigate the bureaucracy at your mortgage company. The fact that we are lawyers conveys additional credibility in the eyes of lenders. If the lender does try something inappropriate, we will take action to protect your rights.

Free Consultation With An Attorney

Contact Hamilton, Burgess, Young & Pollard, P.L.L.C.., to learn about your debt relief options. We serve clients throughout West Virginia from our offices in Fayetteville and Princeton.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Office Locations


Please direct all mail to P.O. Box 959
Fayetteville, WV 25840

Fayetteville office:
5493 Maple Lane

Fayetteville, WV 25840
Phone: 304-574-2727
Fayetteville Office Location

Princeton office:
1607 West Main Street

Princeton, WV 24740
Phone: 304-425-8775
Princeton Office Location

Toll Free: 888-279-7919