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NORTHSHORE ATTORNEY AT LAW

Bankruptcy Programs

Your Northshore Bankruptcy Attorney

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with your legal needs.

Stretto Loan Modification Program

Protect Your Home & Resolve Mortgage Delinquencies

If you are falling behind on your mortgage, the Stretto Loan Modification Program provides a structured way to keep your home while making your monthly payments manageable.

  • Broad Compatibility: Open to clients filing for either Chapter 7 or Chapter 13 bankruptcy.
  • Hands-On: Our legal team handles the heavy lifting, working closely with you to build and submit a thorough application.
  • 3-Month Trial Period: Approved applicants transition into a three-month trial modification to establish a sustainable payment plan.
  • A Fresh Start for Your Mortgage: Once approved by the court, past-due mortgage amounts (arrears) are formally restructured, allowing you to start fresh without the threat of foreclosure.

(Please note: This program involves additional legal fees and administrative costs.)

Stretto Student Loan Discharge Program

A Pathway to Federal Stuent Debt Forgiveness

Under updated federal standards, discharging student loans during bankruptcy is more achievable than ever before. If you have federal student loans, our office can guide you through this updated relief process.

  • Chapter 7 Eligibility: Available to clients completing a Chapter 7 bankruptcy through our firm.
  • Dedicated Legal Action: Near the conclusion of your bankruptcy, our team files an official court request (an adversary proceeding) along with a detailed attestation of your financial circumstances.
  • Government Evaluation: Representatives from the U.S. Department of Education and the Assistant U.S. Attorney review your case to assess your eligibility for partial or full debt forgiveness. *Please note: Forgiveness relief is not guaranteed for all applicants, and our firm assumes no liability for adverse outcomes.
  • Clear Timeline: The full evaluation and determination process generally takes 6 to 8 months.

Additional Bankruptcy Relief

Filing for bankruptcy is a major step toward taking back control of your financial life. Beyond eliminating everyday debts, specialized programs are available to help you protect your home and tackle burdensome student loans. Through our partnership with Stretto, our firm offers two dedicated pathways to help you achieve a truly clean slate during your bankruptcy process.

Ready to Explore Your Options?

Navigating mortgage back-payments or student loans during bankruptcy doesn't have to be overwhelming. Schedule a consultation today and discover how these specialized programs can help you secure lasting financial relief.
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© Copyright 2019, Wayne M. Aufrecht  

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