Case Study: Saving Your Home After the Death of a Husband I was able to help my client save her home after her husband passed away this spring. With the expenses of his last illness and burial, her fixed retirement income was not enough to pay the mortgage for several...
Bankruptcy Can Save Your Home.
Case Study: Stop Mortgage Foreclosure FAST!
Stop Mortgage Foreclosure FAST! Today we helped our client to save her home from mortgage foreclosure. When she called, there was a mortgage foreclosure scheduled on her home. Following an illness and missed work she reached out to the mortgage lender, but they didn’t...
Government Stimulus Check: Don’t Believe the Hype!
So here’s what’s up: To Tenants: If the government says you don’t have to pay your rent and there’s a ban on evictions, you better do whatever you can to pay your rent. There will be major repercussions when evictions bans are lifted. Don’t think you’ll get a free...
Why Did My Mortgage Modification Get Denied?
What is a mortgage loan modification? A mortgage modification is a change in the terms of an existing mortgage loan. Loan terms include the principal balance, term, and interest rate. If payments have been missed the you have an "arrearage". Mortgage modification...
Allow Foreclosed Homeowners to Repurchase Their Former Homes at Fair Market Value?
The law used to be that foreclosed homeowners could not buy their own house at the foreclosure sale. Neither could third parties acting for the benefit of the former homeowner. That is beginning to change now. Federal Housing Finance Agency (FHFA) will now allow...
Should Grandma File Bankruptcy?
Many of us hope to leave our family homestead and heirlooms to our children. The problem these days is that there may be so much debt that creditors would take it all! Bankruptcy can prevent liens and judgments against the title to the home and preserve equity...
Lien Stripping in Bankruptcy…Can it be done?
Last Friday I attended a useful and scholarly Continuing Legal Education seminar hosted by the Birmingham Bar Assoc. Local attorney Robert C. Keller spoke for an hour on Automatic Stay Violations and on Lien Stripping in Chapter 13. He did a good job of making the...
Missed Mortgage Payments
When missed mortgage payments grow out of control, the home can be saved if a chapter 13 Federal Court protected repayment plan is filed BEFORE the foreclosure sale is held. This will also protect the homeowner from other creditors and restructure those debts. Once...
Foreclosure – How to Avoid It
You have the power to stand up to the big mortgage companies. Did you know that the Founding Fathers of the United States of America specifically wrote your bankruptcy protections into our Constitution more than 230 years ago? It's true. You can use a Federal...
Brent W. Davis, L.L.C.
New Address:
2166 Pelham Parkway,
Pelham, AL 35124
Phone: (205) 989-1919
Available 7am - 9pm
