If you stop foreclosure today, such as through one of the strategies detailed above, you will find yourself in a better position in the future. Learn more about Philadelphia foreclosure in this presentation.

1. “If you stop foreclosure today, such as through one of the
strategies detailed above, you will find yourself
in a better position in the future.”
STOP PHILADELPHIA
FORECLOSURE TODAY
FOR A BETTER FUTURE
TOMORROW
DAVID M. OFFEN
PHILADELPHIA BANKRUPTCY ATTORNEY

2. Stop Philadelphia Foreclosure Today for a Better Future Tomorrow www.getfreeofbills.com
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If the thought of foreclosure is on your mind, it could mean many things:
You have missed a mortgage payment in the recent past.
You think you are going to miss a mortgage payment in the near
future.
You have received a notice of foreclosure from your lender.
It doesn’t matter why you are thinking about foreclosure. What matters is
that you find a way to avoid this.

3. Stop Philadelphia Foreclosure Today for a Better Future Tomorrow www.getfreeofbills.com
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If you take the steps to stop the foreclosure process, you will never have
to concern yourself with the final stages, which includes losing your home
once and for all.
HOW DO I STOP FORECLOSURE?
Most people are never faced with this question, so if it comes around they
are confused as to what they should do next.
Stopping foreclosure sounds impossible. It may be easy to hide from your
lender and eventually walk away, but that may not be in your best interest.
Instead, you should consider all your options, such as the three strategies
detailed below:
1. Negotiate with your lender. It is a common misconception that
mortgage lenders enjoy the foreclosure process. The truth is that lenders
hate this, as they often times
lose money. Not to mention
the fact that they are in the
business of lending money,
not owning real estate.
Reach out to your lender to
discuss your situation. They

4. Stop Philadelphia Foreclosure Today for a Better Future Tomorrow www.getfreeofbills.com
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may be willing to negotiate with you. For example, a loan modification is
not out of the question. This can lower your monthly obligation, thus
allowing you to make your payment in full and on time in the future.
2. Refinance your mortgage. This is not an option for every
homeowner, but could be just what you need to avoid foreclosure and get
back on your feet.
This starts with
examining your
situation. This includes
the value of your home,
the balance of your
loan, and how far
behind you are on
payments. At that
point, you can contact your lender to discuss your intentions to refinance.
Note: you need to find another lender that can assist with the refinancing
of your current loan. Give yourself enough time to find the right lender.

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3. File for bankruptcy. You are already dealing with the possibility of
foreclosure. This can be scary in its own right. If you throw bankruptcy into
the equation, you may be converned about what the future holds.
But don’t turn your head to this idea just yet. Bankruptcy will not prevent
foreclosure indefinitely, but it will buy you some time.
With Chapter 13 however, for example, you can save your home by making
payments to your lender through a repayment plan.
DON’T DELAY IN MAKING A MOVE
As soon as you realize you are in trouble, as soon as you get the feeling
that foreclosure is
coming, you need to
examine your options and
decide what to do next.
Don’t delay in making
your next move, as you
still have time to save
your home. If you stop
foreclosure today, such as
through one of the strategies detailed above, you will find yourself in a
better position in the future.

6. Stop Philadelphia Foreclosure Today for a Better Future Tomorrow www.getfreeofbills.com
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About the Author
David M. Offen
A native to the Philadelphia area, Mr. Offen attended Temple University College and Law
School. Mr. Offen is licensed to practice in the States of Pennsylvania and New Jersey. He is a
member of the Eastern District of Pennsylvania Bankruptcy Conference and the National
Association of Consumer Bankruptcy Attorneys.
David M. Offen has over 20 years of experience and has helped over 8,500 individuals and
families go through the Bankruptcy process. These filings have included stopping foreclosure on
a home, stopping repossession of a car or vehicle, stopping IRS tax levies and frozen bank
accounts and putting a stop to; lawsuits, credit card bills, personal loans, bills, utility shutoffs
and other types of debt.
With Mr. Offen’s help, these families have saved countless millions of dollars of debt.
David enjoys getting to know his clients and will be happy to answer any and all questions you
may have. You are treated as a person and not a number.
Remember – there is no such thing as a silly question. Don’t be afraid to ask any questions you
may have. David M. Offen has found that people looking to file Bankruptcy are not trying to
avoid their responsibilities but rather to make a difficult situation easier. David enjoys getting
people to stop worrying and making their financial lives much better and helping people stop
feeling overwhelmed.
In some cases, Bankruptcy is not the best move and he can review your situation with you and
tell you the right move for you to make. Get a completely free evaluation of your situation. For
the past 20 years, the Law Offices of David M. Offen has been among the top filers of
bankruptcy in the Eastern District of Pennsylvania.
The Law Offices of David M. Offen
215-625-9600
www.getfreeofbills.com
The Curtis Center
601 Walnut Street, Suite 160 West – 1st Floor
Philadelphia, PA 19106