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  • Welcome To The Law Offices of Ryan E. Simpson, P.C.

    The Law Offices of Ryan E. Simpson, P.C. is a civil litigation firm founded on the principles of professional excellence, personalized service, and efficient practice management. For more than 30 years, The Law Offices of Ryan E. Simpson, P.C. has built a well-earned reputation of providing cost effective legal services with emphasis in the following areas:
    • Bankruptcy
    • Business Law
    • Collections
    • Commercial Litigation
    • Construction Litigation
    • Estate Planning
    • Family Law Landlord/Tenant Law
    • Insurance Law
    • Mechanic's Lien Claims
    • Real Estate Transactions
    • Subrogation
    • Workers Compensation Claims

  • Are you Facing Foreclosure?

    Loss of job, serious health issues and the current lending crisis can make mortgage payments difficult for many homeowners.

    If you face mortgage payment challenges, it is extremely important to seek the assistance of an experienced, reputable attorney to help stop foreclosure on your home as quickly as possible. From homeowners with unmanageable adjustable-rate mortgages to those suffering through difficult economic times, the Debt Relief Advocate can help you avoid foreclosure.      

  • I Have Missed My Mortgage
    Payment(s), What Happens Now?

    Foreclosure may occur. Foreclosure is a legal process your lender can use to repossess your home. If you owe more on your mortgage loan than your home is worth, the lender may seek a deficiency judgment. If this happens, you not only lose your home, you may also owe the lender money.

    Lenders may have up to six years to collect on their deficiency. Both foreclosures and deficiency judgments can seriously affect your credit and the ability to qualify for credit in the future.     

  • Traditional Short Sale

    A traditional short sale is a situation where the bank allows a borrower to sell his/her property for less than the borrower's outstanding balance on the mortgage.

    Homeowners who participate in a short sale usually cannot make their mortgage payment and have the possibility of foreclosure approaching quickly. Banks generally agree to allow short sales because the associated losses are smaller than in a foreclosure.

    The process of working through the short sale can be lengthy, and lenders have no time constraints on approving a short sale. Generally the actual process of negotiating a short sale does not start until there is a signed contract to purchase the home. Banks generally agree to allow short sales because the losses on a short sale are generally smaller than if the bank foreclosed on the home.

    To find out if you are eligible for a Traditional Short Sale, contact the Debt Relief Advocate for a free consultation at 866-609-3746.   

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