If you are having trouble with your mortgage or your mortgage lender, you are probably having a little trouble finding a St. Louis law firm to help. After all, there isn’t a specific “mortgage attorney.” However, there are some lawyers that may be able to help you.

The field of law has grown so much that is pretty impossible to be able to do everything, causing many attorneys to focus on one specific area. So, not every attorney will have mortgage experience but there are certain kinds of attorneys that typically deal with mortgage issues.

If your mortgage problem surrounds your lender or who is entitled to the note, a real estate attorney would be your best bet. A real estate attorney will be able to check if anyone claiming a lien on your home is legitimate, make sure all documents are correct and know if your mortgage company has made any procedural mistakes.

If your problem, however, has to do with paying your mortgage, you may need a different kind of attorney. Not being able to pay your mortgage isn’t a laughing matter. As soon as you start falling behind on your payments, you’ve headed down a path leads more than 1,700 St. Louis residents each month to foreclosure. For most, putting their families in danger of not getting protection from foreclosure isn’t an option.

Which attorney would be the best to help you get protection from foreclosure? A St. Louis bankruptcy attorney can keep your family out of harm’s way by stopping the sale of your home and helping you file a Chapter 13 bankruptcy. Plus, a bankruptcy can help you with other kinds of debt like medical bills or credit cards.

In addition to stopping your foreclosure, chapter 13 can stop a wage garnishment, prevent creditors from harassing you all night and day, and stop the repo man from taking your car. You can finally be free from worry about the security of your home, the actions of your creditors, and the immense stress of debt.

Don’t forget that just because you’ve found a real estate or bankruptcy attorney in St. Louis doesn’t mean they are the most qualified to handle your mortgage concerns. You should still look for specific criteria that identify an attorney as experienced and qualified. Look for an attorney that is willing to give you free information about Missouri and Illinois chapter 13 bankruptcy before you even step foot in an office. You will confident in your decision if it is an educated one.

By Jim Brown, Missouri Bankruptcy attorney. James Brown has been working to relieve the debt of hard-working American families for over 15 years. He has dedicated his career to educating consumers about options for debt relief and has released 5 publications, including, “Get Out of Debt: Secrets Your Creditors Don’t Want You to Know.” You can request a free copy at http://www.castlelaw.net