Your home is your castle. Let us help you defend it!
We understand the stress and uncertainty that a looming foreclosure can bring. We are here to help you navigate this challenging time and protect your home.
We offer personalized legal strategies tailored to your unique situation, and will work diligently to negotiate with lenders and explore all available options to prevent foreclosure. Whether through loan modifications, repayment plans, or other legal avenues, our goal is to provide you with the best options to stay in your home.
Loan Modification
Our law firm specializes in loan modification services, designed to help you achieve more manageable mortgage terms and avoid foreclosure. We work closely with you and your lender to negotiate lower interest rates, extended repayment periods, and reduced principal balances. Our dedicated legal team will guide you through every step of the process, ensuring that your rights are protected and your financial interests are prioritized. Let us help you find a sustainable solution to your mortgage challenges, providing the expert legal support you need to regain financial stability
Litigation
We are no strangers to the courtroom. If your situation merits, we stand ready and willing to assert your legal rights through mediation, pre-litigation negotiations, and if necessary, through direct legal action against trustees and lenders who fail to comply with the law.
Contact us today to discuss your specific situation and review what options you may have.
List your home with us- keep more of your equity!
At Øx & Shield Legal, we understand the importance of preserving your hard-earned equity in your home.
If your situation merits it, our law firm stands ready to assist you with listing and selling your property for a modestly low commission rate to ensure that you retain as much equity as possible.
Our goal is always to provide you with as many options as possible to ensure the best outcome possible. Let us help you navigate the complexities of selling your home while keeping your financial interests protected. You've worked hard to build your equity, and we are here to help you keep it.
Bankruptcy
Bankruptcy can offer a fresh start for individuals and businesses overwhelmed by debt. Our law firm specializes in guiding clients through the bankruptcy process, ensuring they understand their rights and options.
We assist with Chapter 7, Chapter 13, and Chapter 11 filings, helping to discharge or reorganize debts while protecting your assets. Our experienced attorneys provide personalized support to navigate the complexities of bankruptcy law, aiming to achieve the best possible outcome for your financial recovery.
Contact us for a consultation to explore how bankruptcy can help you regain financial stability and peace of mind.
Short Sale
A short sale is a real estate transaction where a homeowner sells their property for less than the amount owed on the mortgage. This process requires lender approval and is typically pursued when the homeowner is facing financial hardship and cannot afford to keep making mortgage payments.
By opting for a short sale, homeowners can avoid foreclosure, minimize damage to their credit score, and potentially settle their mortgage debt. Our law firm specializes in guiding clients through the complexities of short sales, ensuring a smoother process and protecting their interests every step of the way.
Refinance
Refinancing a loan can be a strategic way to prevent foreclosure by replacing an existing mortgage with a new one, typically at a lower interest rate or with more favorable terms.
This process can reduce monthly payments, making them more manageable for homeowners facing financial difficulties. By lowering the payment burden, refinancing helps homeowners avoid defaulting on their loans, thus preventing foreclosure.
Our law firm specializes in assisting clients with the refinancing process, providing expert guidance and contacts with lenders to ensure they secure the best terms and protect their homes from foreclosure.
Deed in Lieu
A deed in lieu of foreclosure is an agreement where a homeowner voluntarily transfers the ownership of their property to the lender to avoid the foreclosure process.
This option can provide significant relief by allowing homeowners to settle their mortgage debt and avoid the negative impacts of foreclosure on their credit score.
At our law firm, we specialize in negotiating deed in lieu agreements and can often secure substantial additional time for homeowners to stay in their property while the process is completed. This extra time can be crucial for families as they make arrangements for their future living situation.
Contact us to explore how a deed in lieu of foreclosure can offer you a smoother transition and the necessary time to prepare for the next steps.
Forbearance Agreement
A forbearance agreement can be a vital option for homeowners seeking to stop foreclosure. This temporary relief allows you to pause or reduce mortgage payments for a specified period, providing time to regain financial stability.
During the forbearance period, you can work with your lender to create a plan for repaying missed payments once the forbearance ends. This can include extending the loan term or increasing monthly payments temporarily.
Nevada Homeowner Bill of Rights
The Nevada Homeowner Bill of Rights (NHBR) is a set of laws designed to protect homeowners facing foreclosure, ensuring fair and transparent processes.
These measures aim to provide homeowners with better protections and ensure fair treatment during the foreclosure process.