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Some consumers believe they can handle their mortgage loan modification without the assistance of an attorney. While it is possible, it is extremely difficult. Dealing with mortgage-holders is not easy. Having a lawyer on your side can significantly increase your chances of a successful outcome. At Levitt & Slafkes, we assist you with: Obtaining a lower rate of interest charged Re-amortizing the loan to include any past due payments Having interest and fees waived Reducing your loan balance Fixing your mortgage if it is an adjustable interest rate loan Lowering your total mortgage payment If your lender is unwilling to negotiate with you, our attorneys are qualified trial attorneys that can provide a strong foreclosure defense in your lawsuit.  We also understand that solving one problem may not help a client who still has several other money troubles, so we provide personal bankruptcy  representation if necessary. Whatever debt relief option you need, we are fully prepared to assist you. We are bankruptcy lawyers who know how to make a difference in your financial situation. We have experience you can rely on and we care about your results. Contact our New Jersey law firm online by filling out the form or by calling 973-323-2953 to schedule a free initial consultation with an attorney at Levitt & Slafkes, P.C..