Free Consultation
Open 24/7
Free Consultation
Open 24/7


For years, our firm has been educating clients about debt relief options that can halt foreclosure proceedings or help you save your home such as short sale, deed in lieu of foreclosure, debt settlement, bankruptcy and loan modifications.


aka-law-awards aka-law-awards aka-law-awards aka-law-awards
Loan Modifications

Are you facing the possibility of foreclosure? Are you interested in learning about ways in which to keep your home? There may be options available that would allow you to stop foreclosure and make your mortgage payments more affordable. The process can be complex, so it is important to work with an experienced loan modification professional to ensure that the correct steps are taken.

If you meet certain qualifications, you may be able to get a loan modification that could help to reduce payments, reduce the interest rate or even reduce the principal on your home loan. A loan modification may even help to get rid of late fees.

A loan modification is not automatic or guaranteed. Lenders may not be interested in agreeing to a modification because it could mean financial loss to them. A lawyer can help you negotiate favorable terms based on your specific needs and goals.


See What Our Clients Are Saying


As soon as we met with Alivia, we knew our case was in good hands and everything will be okay. She did not disappoint and literally saved our financial life. As soon as you speak with her, you will realize that she is a person of high professionalism, honesty and integrity who will fight hard for you to achieve the desired outcome. I highly recommend her services.

The best attorney we ever dealt with

We retained Alivia when going through a mortgage refi. She and her staff are excellent. They kept us informed and encouraged us to contact them every week either by e-mail or phone so we would be kept up to date. They always returned our calls and answered all our questions and where able to shave many points from our interest rate and got our 2nd mortgage down to a fraction of what we owed.


Alivia did an awesome job with everything and only discussed the important things with me. At first I was concerned with this, but as I got to know her, I arrived at 100% trust in her which allowed me sleep comfortably at night. I also quickly determined that integrity and respect were top on her list. She made it very clear right from the start that everything would be black and white with absolutely no grey areas in between. Keep up the good work Alivia

Short Sales

If you are struggling to keep up with your mortgage payments but you don’t want to go through foreclosure proceedings during a bankruptcy, you still have options such as a short sale.

A short sale means your mortgage lender (usually a bank or financial institution) allows you to sell your home for less than what you owe. If you are no longer able to afford your home, a short sale allows you to walk away owing little or no money to your lender. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial sense to foreclose. Additionally, neither all sellers nor all properties qualify for a short sale.

We can help distressed homeowners financially by working with lenders to create an agreement to a short sale. Often, the lender would rather absorb the loss than have a home vacant, which devalues the property even further over time.

Underwater Mortgage

Do you owe more on your mortgage than your house is currently worth? This is a growing trend in Michigan and across the United States. You’re probably struggling, wondering what to do. Should you keep making payments, despite your home’s current value? Or are there other options available that would allow you to sell your home and minimize your financial loss?

The distressed housing market offers little hope to underwater homeowners in Michigan. But if you’re willing to dig deep, you may find that relief may be more accessible than you previously thought. There may be legal options available that your mortgage company won’t tell you about such as loan modification, short sales, Chapter 13 bankruptcy and Deed in Lieu of Foreclosure. Our firm can discuss additional options that may be right for you.

Foreclosure/short sale law

Foreclosures & Short Sales are a beyond stressful situation for most clients as it involves the family home. Our firm is dedicated to navigating you and your family through this stressful situation by providing the best legal options. We are dedicated to settling any deficiency owed in a short sale at the time of closing, so there are no surprises later. If you are facing a foreclosure deficiency or short sale deficiency in a lawsuit by the bank we are more than experienced to assist you and your family in a great settlement to avoid Bankruptcy.

Deed in lieu of foreclosure

When facing the possibility of foreclosure, homeowners may feel as though they have limited options to save their homes. It is important to know that options do exist to stop the foreclosure process and possibly even stay in your home. Deed in lieu of foreclosure is one of these options.

A bank may accept a deed in lieu of foreclosure from the homeowner to avoid foreclosure. Essentially, the homeowner is voluntarily giving the property back to the bank to be released from the outstanding debt, and the bank assumes ownership of the property. It may be possible for the homeowner to work out an arrangement with the bank to stay in the home.

The process is complex, and it is advisable to work with a foreclosure attorney to ensure that the steps are completed properly. If your goal is to stay in your home and to avoid foreclosure, you should talk to a lawyer to learn how this process can work for you. Additional foreclosure avoidance options may also be available such as a short sale or loan modification.

Get The Debt Relief You Deserve Today!

Call or Text Attorney Alivia Kassab Arabo for your free consultation.
Call Now