The law office of P. Joseph Nicola, Esq. represents homeowners who want to fight back against mortgage foreclosure. You may be eligible to modify the terms of your mortgage.

My law firm will negotiate with mortgage lenders to:

·     Adjourn a Sheriff’s Sale of Real Estate

·     Reduce Mortgage Interest Rates

·     Lower Monthly Payments

·     Reduce Principal

·     Capitalization of Unpaid Back Payments

·     Forbearance of Arrears

·      And any other modification programs

If you have been taken advantage of by a Predatory Lender, a Fraudulent Mortgage Broker or a Loan Modification Scam, you may have the right to file a legal claim and sue them.

If you are facing financial difficulties due to high credit card balances, we can assist you through debt settlement. This may reduce your credit card debt up to 60%, saving you thousands of dollars. We also can represent you in a Bankruptcy.