Why Choose Us?
We only do bankruptcy.
We never represent creditors.
Our rates are affordable.
We have years of practical experience, in addition to our in-depth legal knowledge.
We are a small law firm dedicated to providing high-quality, personal service.
100% Money Back Guarantee
We offer a free consultation.
We have convenient suburban offices, open evenings and Sundays, for your convenience.
We will always be attentive, considerate and personal.
Bankruptcy Facts
What are the different types of Bankruptcy?
What kind of debts can you get rid of in a bankruptcy?
How you can get your driver’s license back with bankruptcy?
How Bankruptcy Affects Home, Real Estate and Mortgages.
Bankruptcy Myths
Do I Have Enough Debt to File Bankruptcy?
Foreclosure Defense
Foreclosure Defense
What is foreclosure defense?
If you do not take any action regarding the foreclosure your mortgage company can have your house sold in as little as 4 or 5 months. Many of our clients wish to get a loan modification or a short sale. These processes can take months or years. The mortgage companies can continue with the foreclosure proceeding while they drag out the negotiations.
You have rights!
The State of Illinois guarantees you certain rights against the aggressive actions of the mortgage company. However, you want to have a lawyer in court defending your rights. You have probably read the articles in the news about mortgage companies filing false documents and forging affidavits. By engaging in foreclosure defense we can give you the time to seek alternative remedies. Even if you are not able to get a modification or a short sale you will be given the extra time to live in your own home. We will make sure that the mortgage companies do not take advantage of you.
How much does foreclosure defense cost?
The cost is the equivalent of two mortgage payments. This is a small amount considering the cost of renting and the ability to stay in your home.
How quickly can the mortgage company sell my home?
It depends on where you are in the foreclosure proceeding.
- If they have already sold your house we can usually keep you in your home for six months.
- If you are in foreclosure but you have already missed the default date then we can usually keep you in your house for a year or more.
- If you have just started to fall behind on your payments we have been able to give our clients up to 2.5 years.
Of course, we cannot give any guarantees. Every case is different and these period estimates are based on our prior successes. The state has given you certain rights as a homeowner. We make sure that you receive the benefit of these rights. Contact the Law Offices of Richard E. Sexner LLC to find out how we can keep you in your home.
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NOTICE: We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Material presented on this website is intended for informational purposes only and any use of the material contained herein is at the user's own risk. This material is not intended to constitute legal advice, the provision of legal services, or as an agreement to create an attorney-client relationship with the Law Offices of Richard E. Sexner LLC, and receipt does not constitute such an agreement. The services of a competent professional should be sought if legal or other specific expert advice is required. You should consult an attorney for individual advice regarding your own situation. Any information you submit to the Law Offices of Richard E. Sexner, LLC. may not be protected by attorney-client privilege. All photos are of models and do not depict clients. All case evaluations are performed by attorneys employed by the Law Offices of Richard E. Sexner, LLC.
By posting and/or maintaining this website and its contents, the Law Offices of Richard E. Sexner, LLC does not intend to solicit legal business from clients located outside of the State of Illinois or in jurisdictions where any attorney of the Law Offices of Richard E. Sexner, LLC is not authorized to practice law. The information you obtain at this site is not, nor is it intended to be, legal advice.
iness from clients located outside of the State of Illinois or in jurisdictions where any attorney of the Law Offices of Richard E. Sexner is not authorized to practice law. The information you obtain at this site is not, nor is it intended to be, legal advice.