Real Estate

Real Estate Law

Capable and Committed to the Homebuyer or Seller – Start to Finish

We offer a wide range of legal services in Real Estate. Wright & Associates is regularly retained by banks and other mortgage lenders to assist clients in purchasing or refinancing their home. While the process may seem daunting, He has the knowledge and experience to ensure that the transaction is smooth and hassle-free. We can help you with contacting a real estate broker, drafting purchase and sale agreements, terms of the agreement compliance and legal representation at the closing. Additionally, if you are the buyer, we can serve as the bank lawyer for the bank or mortgage company that provides the mortgage to you. If you are in the Merrimack Valley, North Shore or Greater Boston Area call us today.

Additional Services

  • single family homes sales and purchases
  • condominiums sales and purchases
  • zoning and land use issues
  • commercial property buying and selling

In addition to residential closings, we have significant experience with commercial closings. We can prepare all the closing documents including UCC’s, assignment of rents, security agreements, notes and mortgages.

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Why it is important to discuss your case thoroughly with your attorney

important to discuss your case thoroughly with your attorney

It is important to thoroughly discuss all aspects of your case (even those which you think are simple) with us before deciding which parts you want to do yourself and which ones the attorney will assist you with. It is equally important to realize that there may be important issues presented by your case that you aren’t even aware of. You could be at serious legal risk about an issue you don’t even realize exists. If you don’t discuss them with your attorney, how will you know?

Never make assumptions about the law which applies to your case. The law shows you’ve seen on TV are rarely accurate, and just because you’ve “seen it on TV,” doesn’t mean it is correct or even “legal.” The only way you know this is to talk it over with a qualified attorney.

Sometimes new issues will pop up after your case is started. If they do, it is important to advise your attorney and discuss them, so that you know the potential legal consequences to you. Remember that your attorney can only advise you on matters you tell him/her about, so it is essential that you provide complete information about your case. Remember, you and your attorney are working as a team. That means good communication and a clear understanding of each person’s assignments is essential.

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Debt Settlement FAQ

Debt Settlement FAQ

What is the difference between Debt Consolidation and Debt Settlement?

Debt Consolidation and Debt Settlement are sometimes heard interchangably, but they are not the same thing. At Wright & Associates, we use a proven Debt Settlement process to work with creditors on your behalf to actually settle the full balance you owe to your creditors for a reduced amount whereas debt consolidation requires you to pay off your debt in full, usually at a reduced interest rate.

Is my credit report adversely affected by enrolling in a debt settlement program?

You may experience an adverse effect on your credit if your debts are current with no history of late payments, but this is not the typical situation for most of our clients. While our program can initially impact your credit negatively, in most cases, our debt settlement program with time, will improve your debt-to-income ratio and your FICO score will improve over time.

How long does each settlement take?

The amount of time you are enrolled in our debt settlement program actually depends on the amount of funds you have available to pay off your creditors. During your consultation, you will establish an affordable monthly payment that will determine how long it will take to settle with all your creditors.

Is my debt information kept confidential?

We are 100% committed to maintaining complete confidentiality. Your information will not be released to anyone except those persons authorized by you to receive information on your behalf. Of course, the creditors will be advised by us that you have contracted our service to assist you.

When I enroll in the program, what will happen to my accounts, can I still use them?

Once you enroll in our program you are not able to use your accounts.

Will I be able to track the progress of my debt settlement program?

Of course. You can call us to check in regarding the status of your account. You will also receive monthly reports that will keep you informed of the activity on your personal settlement account.

Debt Settlement

Who pays the creditors while I am enrolled in the debt settlement program?

Payments will be made from your settlement savings account when we reach agreement with your creditors and there are sufficient funds accumulated.

What if my creditors won’t settle?

This is a very unlikely situation, in that creditors know that if they do not settle accounts, even for a fraction on the debt, they will likely not receive any payment on the account whatsoever. In the unlikely event that a creditor will not settle with our offer, they will return with a counter offer that will still be favorable to you.

Do I have to include all of my creditors into the program for settlement?

You should keep one credit card open for emergency use only and to help strengthen you credit rating once you have finished the program.

Will late fees and interest still accrue on my accounts?

It is not possible to stop a creditor from adding interest or late fees to an account. However, your personalized program will reflect those fees and/or interest, and is incorporated into the Settlement Program. Even if fees are added, we negotiate the debt down to a fraction of what you owe so your savings are much greater than the addition of interest or late fees.

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