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Banks and lenders in Nebraska, Iowa and throughout the country went to great lengths to lure people into buying houses they could not afford. The attorneys at Hicks & Alhejaj, P.C. know how quickly the dream of home ownership can turn into a living nightmare in this situation. Maybe you have been out of work for months, have suffered from an unexpected economic downturn or a terrible injury and you have fallen behind on your mortgage payments. Throughout it all, one terrible question has lingered – “will I lose my house?” – and the time may come for your worst fears to be realized with the answer of “yes.” It does not have to happen.

If your home is being foreclosed upon, it may be possible to stop it from happening. Even if your home has been foreclosed and even sold, there is a possibility that the sale could be unwound and you can return to your home. Hicks & Alhejaj, P.C. works quickly and efficiently to make sure our clients stop foreclosure and save their houses. We also help clients avoid wage garnishment and repossession of personal property.

How You Can Avoid Foreclosure

If you are worried about foreclosure or have missed mortgage payments, there are steps you can take prior to receiving a notice of default. It is possible to negotiate a loan modification from your lender. The government has created a number of programs in response to the sub-prime mortgage crisis, and Hicks & Alhejaj, P.C. can guide you through them so that they serve their intended purpose: to help homeowners in crisis and encourage lenders to agree to modifications.

While these government programs are helpful, they cannot require the lender to agree to a loan modification. In this situation, we can help you file for Chapter 13 bankruptcy, which restructures your obligations and allows you to keep your home. The moment you file for Bankruptcy, all creditor harassment instantly stops, so does foreclosures, garnishments and repossessions. Chapter 13 takes your missed payments and rolls them into a 3 or 5-year plan which allows you to catch up in a comfortable manner. Hicks & Alhejaj, P.C. can help you develop a payment plan that meets your financial obligations within your current means so that you can keep up with your payments as you start fresh.

Even if the foreclosure process has already begun, it may not be too late to save your home. If Chapter 13 bankruptcy is not appropriate or if foreclosure has begun, the attorneys of Hicks & Alhejaj, P.C. are willing and able to defend your property in court in order to give you additional time to repay your debt. We may also be able to recover your car if it has been repossessed. In all of those situations, timing is critical. The sooner Hicks & Alhejaj, P.C. can get working for you, the better.

Our Attorneys Can Help You Save Your House

If you are having trouble paying your bills or making your mortgage payments, call our Omaha office at 402-401-4916, or contact us online to discuss your situation. We serve clients in the Omaha-Council Bluffs area and other communities throughout Nebraska and Iowa.


Stop Repossessions

What do you do if you have fallen behind on your vehicle payments?  You can’t get caught up, you can barely make the ongoing payment.  It may be that you fell ill and missed work or became unemployed with no resources to pay for your vehicle.

It does not have to happen. You can keep your vehicle.  At Hicks & Alhejaj, P.C., we work hard to help our clients stop repossessions and save their vehicles. There are options: filing Chapter 13 Bankruptcy, Creditor Negotiations, and out of Court agreements.  Our attorneys can assist you in assessing which is the best option in your situation.  We also help clients avoid home foreclosures, the garnishment of wages, and the repossession of other personal property.

If you are under threat of repossession, our lawyers can help you file for a Chapter 13 bankruptcy that can restructure your obligations and enable you to keep your vehicle. By filing for Chapter 13, all creditor harassment instantly stops, as does the threat of repossession.  Even if repossession has already occurred, there is still hope, but you need to ACT FAST!  We may be able to get you possession of your vehicle back if we file a Chapter 13 bankruptcy and you have the vehicle insured and the ability to begin making payments.

You Need To Act Quickly

The sooner Hicks & Alhejaj, P.C. can get working for you, the better. If you are having trouble paying your bills or making your vehicle payments, call us to discuss your situation now. We can help you get a fresh financial start.

For a FREE initial consultation with Hicks & Alhejaj, P.C., call 402-401-4916. We can also be contacted online. We serve clients in Lincoln, Omaha, Council Bluffs and other communities throughout Nebraska and Iowa.


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