Loan Modification

No homeowner wants to face foreclosure – and should you find yourself unable to make your mortgage payments, loan modification may provide an avenue to restructure your debt into a more manageable form.

At the Law Office of Ray Garcia, we have extensive experience negotiating with banks and other creditors in order to secure more manageable payment terms for our clients.

If you are having trouble making your mortgage payments, we want to help. Neither you nor your bank benefits from the foreclosure process- and we will do everything we can to avoid foreclosure through loan modification.

Please contact us to learn more. You can reach us by phone at 305-227-4030 or email us at to schedule a consultation.