When it comes to being able to pay your bills, there are many people who may find it to be quite difficult. Due to the recession that we all have experienced in the last couple years, it has made paying our bills more difficult than ever before and this alone is cause to think of getting a loan modification.  Read more...

The final resolution of a client’s debt accounts is a day that should be recognized as a new beginning. At the Law Offices of Thomas Kerns McKnight we celebrate the success stories of our clients who have completed our debt settlement program. But life has the ability to surprise us with new challenges at any time. If circumstances arise that could not have been anticipated and that force you to re-evaluate your financial commitment to the program, you can rest assured knowing that you are with a firm flexible enough to handle such situations. Read more...

It is in your best interest to explore other debt relief options before making the decision to file for bankruptcy. The Law Offices of Thomas Kerns McKnight can provide you with additional information regarding debt negotiation where our attorneys would negotiate your debts with your credit card companies and agree to settle for less than what you currently owe. Read more...

Although it is not necessary to hire an attorney or law firm to assist with obtaining a loan modification, it is definitely wise to do so. Most homeowners are not experts in seeking loan modifications. Most importantly, a loan modification can save your home, your credit, and ease any financial struggles you are currently dealing with. With that in mind, it is important to have our expert negotiators help you obtain a loan modification to save your home. Read more...

As a nationwide, full service consumer advocacy law firm, the Law Offices of Thomas Kerns McKnight offers an unparalleled level of personalized service. As your matter progresses, our principal focus remains squarely on you. It is our fundamental belief that a well informed client has the greatest opportunity to achieve a superior resolution. Upon your enrollment, a devoted case manager takes personal responsibility for ensuring that you are continuously informed and have access to everything required to make educated decisions regarding potential settlement of your accounts. Read more...

Every day, the bankruptcy attorneys at Thomas Kerns McKnight LLP help individuals and families throughout the United States to obtain relief from crushing consumer debt through a Chapter 7 or Chapter 13 bankruptcy petition. Read more...

A traditional loan modification with a non-Government Sponsored Enterprise is where homeowners work directly with the lender to modify the terms of their home loan.  You may be an ideal candidate if you are experiencing one or more of the following:

At The Law Offices of Thomas Kerns McKnight, we’re not here to judge you, we’re here to help you. We understand that, even as consumer debt approaches $2.5 trillion in the United States, there are no two individual situations that can be handled identically. The staff of dedicated case managers and attorneys at the Law Offices considers your unique financial circumstances at every stage of your representation. Read more...

Chapter 7 bankruptcy is best suited for individuals who wish to discharge their unsecured debt and find themselves with no disposable monthly income at the end of the month to pay their creditors.  Read more...

HAMP is a government program that offers a wide variety of loan modification options. To be eligible, you must: