Mortgage Modifications

Learn More About Mortgage Modifications

Mortgage Modification Services

Even before the pandemic, consumers faced unexpected life challenges that made paying their current mortgage difficult. Despite the percentage of homeowners in default, mortgage servicers’ only process to resolve these issues has been an outdated manual application process or to pursue foreclosure.

As one of Toledo Ohio’s most experienced bankruptcy and foreclosure defense firms, we have worked with clients in every stage of the mortgage default process. We intimately understand why so many people fall behind on mortgage payments and how traumatic the loss of a home can be.

In an effort to help keep families together and protect the homesteads of hard-working Ohio and Michigan residents, our law firm has recently expanded our services to include Mortgage Modification Services. By combining our experience helping clients navigate life’s most difficult financial situations with innovative technology, we are able to assess your situation and apply for a modification based on the mortgage servicer’s specific criteria. 

Frequently Asked

What's the first step?

Compile and copy all of the pertinent mortgage and financial documents, and then speak to an Ohio mortgage loan modification attorney. Contact us today!

Do you offer a free consultation?
Yes, our firm offers a free initial consultation. Call us at 419-740-5935

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy offers property protection and debt discharge in exchange for a commitment to pay back all or a portion of your debts through a payment plan.

Image of a Single Family Home

Mortgage Modifications

Depending on the situation, it may be possible to negotiate modifications with your lender, resulting in a lower interest rate, a lower monthly payment, extending the length of the loan, etc. 

How Can We Help?


“We were extremely impressed with the quick response to all questions, calls and emails. Scott was very clear in explaining the process and treated us with the utmost respect.” - Ohio Client

Ciolek LTD.
901 Washington St.
Toledo, Ohio 43604
Ph: 419-740-5935
Fx: 866-890-0419