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

My law firm negotiates 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 program

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.