At the Law Offices of Michael S. Schwartz, our goal is to provide whatever help we can to people who are having difficulty paying their debts. With 17 years of legal experience, Attorney Michael Schwartz knows many different ways to help people who have debt problems. For some people, debt relief may come in the form of a Chapter 7 bankruptcy. Chapter 7 may also provide debt relief for a business that has significant debts. For some people, a Chapter 13 bankruptcy may be the answer. For others, alternatives to bankruptcy such as a consolidation loan or other possibilities to bankruptcy may be preferential to bankruptcy. Some of the alternative debt relief services we provide include home foreclosure defense litigation, refinance, and predatory lending litigation in federal court. To learn more about our bankruptcy alternative services, call (215) 375-7346, or contact one of our office locations online. Home Foreclosure Defense Litigation In some cases, a chapter 13 bankruptcy may not be the answer for people trying to avoid a home foreclosure. As an experienced bankruptcy and debt relief lawyer, Michael Schwartz makes a comprehensive review of the facts in your case, and he suggests bankruptcy alternatives to clients where appropriate. One bankruptcy alternative to protect against home foreclosure is to respond to the foreclosure complaint. Our goal in foreclosure defense litigation is to protect your rights as a homeowner. By filing an answer to the mortgage foreclosure complaint, the borrower gets the leverage needed to negotiate a fair and equitable resolution of the mortgage issue. These resolutions may include withdrawal of the mortgage foreclosure complaint, modification of the loan, or affordable repayment plan of the mortgage arrears. Predatory Lending Actions Lending fraud and home mortgage fraud is one of the largest and fastest growing crimes in the United States. At our office, we aggressively protect homeowners against predatory home mortgage lenders. If you have been the victim of fraud or deceptive and unfair practices on the part of a mortgage company or mortgage broker, we can help. We can file a civil lawsuit in federal court and seek damages and relief on your behalf. If you are in jeopardy of losing your home to a home foreclosure action, or if you have been defrauded by your home mortgage lender, contact attorney Michael S. Schwartz at (215) 375-7346. Refinance One alternative to bankruptcy is refinance. On a case-by-case basis, we may recommend one of many different types of ways to refinance your existing loans. If you are in a foreclosure situation, it may be difficult to achieve conventional refinance through a bank. We pride ourselves in finding creative solutions with individual investors who can help refinance your loan using the home equity as collateral. If you have more debts than you can handle or are in jeopardy of losing your home to a home foreclosure action, call (215) 375-7346 to contact our Philadelphia area offices, or contact our Southampton and Havertown office online for assistance. Bucks County Office 707 Lakeside Office Park Street and Stump Roads Southampton, PA 19053 Havertown Office 101 East Darby Road Havertown, PA 19083, and the Perkasie office at 101 N 5th Street 18944. With offices in Southampton, Perkasie and Havertown, Pennsylvania, we are pleased to offer our service to people and businesses throughout Philadelphia and the surrounding areas, including but not limited to Delaware County, Bucks County, Philadelphia County, Drexel Hill, Philadelphia, Norwood, Chester, Media, Havertown, Broomall, Quakertown, Holland, Fairless Hills, Morrisville, Churchville, Langhorne, Glenolden, Sharon Hill, Darby, Yeadon, Springfield, Lansdowne, Clifton Heights, Upper Darby, Southampton, Richboro, Willow Grove, Levittown, Bristol, Southampton, Trevose, Bensalem, Warrington, Warminster, and Newtown.