Meiners Law Office, PLC
Ross Meiners, Esq.
(520) 777-2198
Call (520) 777-2198

Remove Second Mortgages (Lien Stripping)

Legal Help Stripping Liens and Removing Second Mortgages

Meiners Law Office, PLC is devoted to people in distress with their debt and house payment problems. You may have bought or refinanced a home during the peak of the house real estate market and now find that the current market value of your home is less than what you owe on your first mortgage. The firm regularly assists clients like you in lien stripping, which removes second, third, and home equity line of credit (HELOC) mortgages.

If you have liens on your property and owe more than the house is worth, you don’t have to feel like you are hopelessly underwater financially to your house. Contact the office online or call 520-777-2198 to schedule a free initial consultation.

“Lien stripping is a great way to be paying for what your house is worth instead of what you owe.”
–Attorney Ross Meiners

Special Process In Your Case

People who owe more on their first mortgage than their house is currently worth can remove all junior liens (second/third/HELOC mortgages) on the property through a special process in conjunction with a Chapter 13 filing. When your case is completed, you own your home subject to only the first mortgage. All other liens are gone, and that can include HOA liens as well.

Meiners Law Office, PLC works with experienced appraisers to conduct an appraisal of your property to determine if filing Chapter 13 is appropriate for you, and also utilizes new electronic appraisal systems to keep your costs down if your home is eligible for this newer system. While many people may qualify for lien stripping due to decreased home values, that does not necessarily mean it is right for you. As part of the forward-thinking and long-term planning process, attorney Ross Meiners will discuss your property’s worth, your objectives, and your debts before establishing whether removing additional mortgages is appropriate based on your circumstances. Generally, if you plan to stay in your home for a length of time, then those situations are ideal for stripping liens of your home.

Only Pay the First Mortgage, not the Second or Third

During your case and after, you will only have to continue paying the first mortgage on your property, so long as mortgage is successfully stripped from your property. The case even allows you to cure an arrearage or delinquency on the first mortgage. A Chapter 13 is a route to keeping your home. Your attorney will handle all the paperwork, filings, and proceedings with the lender for you. 

Schedule an appointment today

CONTACT

A Strategic Bankruptcy Attorney Serving Tucson and Southern Arizona

If you are being harassed by creditors or have received notices for wage garnishments or foreclosure, contacting a lawyer should be the first step to handling your struggle.
CALL TODAY (520) 777-2198

Free initial consultations provided

Meiners Law Office, PLC

4400 E Broadway Blvd.
Suite 600S
Tucson, AZ 85711
Phone: 520-777-2198
Fax: 520-202-7317
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Areas Served: Meiners Law Office, PLC, is located in Tucson, Arizona, and attends to clients in Tucson, and surrounding areas, including Benson, Bisbee, Casa Grande, Douglas, Green Valley, Marana, Nogales, Oracle, Oro Valley, Sahuarita, San Manuel, Sierra Vista, Vail, Safford, Morenci, Sells; in counties including: Pima County, Cochise County, Santa Cruz County, Pinal County, Graham County, and Greenlee County in Southern Arizona.

Disclaimer: Results of a bankruptcy filing described on this website apply to most filers; however, each client’s financial situation is unique and results are dependent on the factual and legal circumstances of each case. Our office is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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