Utah Loan Modification Attorney

W. Sean Mawhinny, P.C.

10813 S. River Front Parkway Suite 300 Salt Lake City, Utah 84095 USA

 (801) 938-4945
 (801) 214-1830

www.mawhinneylaw.com/
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Law Firm Overview Free Consultation

The Law Offices of W. Sean Mawhinney, P.C. is a dedicated law firm based in Salt Lake City. We practice throughout the State of Utah in the areas of bankruptcy and consumer advocacy, helping people to find relief from medical bills, credit card debt, and tax relief, and saving their homes and other possessions from foreclosure or repossession.

Principal attorney Sean Mawhinney founded the firm, along with another company - Utah Bankruptcy Solutions - in order to help overburdened consumers obtain debt relief and make a fresh start. Sean understands that every situation is unique, and while bankruptcy is a boon to many, Sean considers every avenue available and advises clients on the best solutions and strategies in their particular situation.

Practice Areas

Additional Practice Areas: Loan Modification; Second Mortgage Removal; Debt Settlement; Foreclosure Avoidance; Arrearages; Repossessions and Wage Garnishments; Lawsuits & Judgments; Credit Establishment; Tax Settlement; Loan Litigation; Medical Bills; Credit Card Debt; Financial Health; Financial Recovery; Personal Finance Tips and Money Management

Practice Areas Description

- Bankruptcy
If your debts have become unmanageable and you are facing the loss of your home or other possessions, bankruptcy offers different methods to wipe the slate clean and give you a fresh start with your finances. We can help you decide if bankruptcy is right for you and determine whether a Chapter 7 or Chapter 13 bankruptcy would be better suited to meet your financial goals.

- Foreclosure Avoidance
Your home is more than just your single greatest financial investment; it is the place where you make your life and share all the most precious moments with your family. Did the bank fully disclose the terms of your mortgage when you bought the home, or did they engage in deceptive and predatory lending practices? There are many ways to avoid a foreclosure. Don't give up your home without a fight.

- Second Mortgage Removal
Many people refinanced at a time when their home had become overvalued. With the market correcting, these second mortgages are disastrous to the struggling homeowner. Where appropriate, we can help remove that second mortgage, allowing you to stay in your home with a sense of security and a more realistic monthly payment.

- Arrearages
If you are behind on your mortgage payments or taxes, there are ways you can deal with those arrearages without losing your home or other property, or facing enforcement action from the IRS or Utah State Tax Commission.

- Repossessions and Wage Garnishments
If you finance the purchase of a car or home appliance, chances are your obligation to pay is secured by that car or home appliance, and the creditor may have the right to repossess it if you fail to pay on time. Other creditors may get a court order requiring your employer to withhold part of your wages and send them to the creditor. To avoid a repossession or wage garnishment, try to negotiate a workout or debt settlement before litigation is required.

- Lawsuits & Judgments
If legal action is being taken against you, you must respond. You may have several defenses available, including valid disputes as to the existence or amount of the debt. It may also not be too late to work out a payment that does not involve legal action. The one certainty is that if you do nothing, you will be at the mercy of the creditor who will receive a judgment on the most favorable terms available to it.

- Credit Establishment
If you have lost your job, run up your bills or maxed out your credit, you may think that you are a bad credit risk and unlikely to be able to obtain new credit. But even if you have filed for bankruptcy, there are still many steps you can take to establish or rebuild your credit. This process can begin immediately, with progress made in months, not years. Rebuilding credit, even after bankruptcy, is easier than you think.

- Tax Settlement
Only certain tax debts are dischargeable in bankruptcy. Whether or not you are filing for bankruptcy, if tax debt is one of your main problems, you may be able to solve it by negotiating an installment payment plan or offer in compromise with the IRS or Utah State Tax Commission. Tax debt will not go away and should not be ignored, or you may find the government has placed a lien on your property and may try to foreclose as a way to get their money.

- Debt Settlement
Most creditors would rather be paid than have to foreclose on your home or repossess your property. They most certainly would rather get paid than see you file for bankruptcy, which may very well shut them out from receiving anything at all. These factors can weigh in your favor and allow you to negotiate a lower amount in order to settle a debt.

- Loan Litigation
An attempt to foreclose on your home should be vigorously fought against, and there are many tools available to stop a wrongful foreclosure. The lender may have engaged in fraudulent or predatory lending practices, or violated federal disclosure laws when negotiating your loan. Also, the bank may not actually have the title to your property it claims to have, and may not actually have the legal ability to foreclose.

- Medical Bills and Credit Card Debt
Unsecured debt such as medical bills and credit card debt is the first to be discharged in a bankruptcy proceeding, and these creditors often get nothing if the debtor files for Chapter 7 or Chapter 13. Armed with this knowledge and ability, we can help negotiate a debt settlement or other type of debt relief.

- Financial Health
If you struggle with debt, there may be steps you can take in your life to better your financial health, from obtaining professional credit counseling help to simply learning better ways of balancing your cash and credit finances.

- Financial Recovery
Many of us get by from paycheck to paycheck, and the loss of a job or a hospital stay can easily knock us off our financial feet. Plan for these contingencies as best you can, and when you need help with arrearages on your loans or other debt relief, we are here to provide the help you need and obtain positive results toward your financial recovery.

- Personal Finance Tips and Money Management
Budgeting your monthly expenses within your income is essential, but so is saving some each month for emergency expenses. Using credit and maintaining a credit balance is perfectly acceptable, but have a plan to pay down on those debts before they spiral out of control with late fees and high interest rates. If things do get out of hand, we can help bring them back under control.

Attorneys

Mr. W. Sean Mawhinny Attorney Debtor and Creditor

More Information on W. Sean Mawhinny, P.C.

Salt Lake City, Utah Loan Modification Lawyer
Salt Lake City, Utah Debt Settlement Lawyer
Credit Repair Attorney in Salt Lake City, Utah
Salt Lake City, Utah Credit Card Debt Lawyer
Loan Litigation Attorney in Salt Lake City, Utah
Debt Relief Law Firm in Salt Lake City, Utah
Salt Lake City, Utah Foreclosure Defense Lawyer
Salt Lake City, Utah Money Management Attorney
Contact W. Sean Mawhinny, P.C.