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The law here is amazingly simple.  If your house is not worth more than your first mortgage, we can wipe out your second mortgage the same way as if it were credit card debt.  For example, if you have a $275,000 first mortgage and a $90,000 second mortgage; and the house is worth no more than $275,000, you are entitled to eliminate or strip off that second mortgage.  Many homes nationally have fallen into this category due to the recession. Now you don’t face the depressing thought of paying the bank more than your house is worth. And, now your home once again becomes that nest egg to build for a secure and stable future.

JUST THE SOUND OF IT IS LIKE TORTURE.  The credit card company has a judgment against you and attaches your house. The sheriff shows up at your door with legal papers that don’t make sense. And tows your car. The interest continues to accumulate on the debt at 12% until you pay or sell your home. Not a pleasant thought.

Well the bankruptcy laws allow us to ELIMINATE all of the above. Discharge it the same way we discharge credit card debt. Breathe a sigh of relief and let us take care of it for you.

From a legal technical standpoint what Smeloff and Associates will do is file a

Motion To Avoid Lien with the Court. Essentially the legal theory is that the lien or attachment impairs your automatic homestead or homestead and therefore the Court will grant the motion on that basis.

The next step is to record a certified copy of the granted motion at the registry of deeds. Period, end of story. Now the debt is effectively unsecured and is discharged forever. I’ll slam the door on ruthless bill collectors.

Wage garnishment can drain your paycheck and create financial hardship for your family. At Smeloff & Associates in 9 convenient locations in MA, we'll evaluate your situation during a complimentary consultation and explain how we can stop the garnishment quickly. With more than 30 years of experience defending Massachusetts residents, we know how to navigate the legal system efficiently. We're available to take your call anytime and can schedule appointments that fit your schedule, including weekends. Contact us now to protect your income and explore your debt relief options.