Gary H. Baker, P.A.

Attorney and Counselor at Law

Representing Consumer Debtors in Bankruptcy, Foreclosure and Collections
Named to the Top Lawyers of Tampa List - Tampa Bay Tribune 2015

Mortgage Modifications

Mortgage Modification (also known as Loan Modification, Restructuring, or a Work Out Plan) is a permanent change to one or more of your loan terms.  It is designed to help you keep your home while also providing you with a mortgage payment that you can afford.  Types of Modification: The types of modification available to you will vary depending on your situation, however common types of modification include:           A reduction in your interest rate            A change from an adjustable to a fixed interest rate            A reduction in principal            A reduction in penalties or fees            Lengthening the term of the loan  Remember, the goal of Mortgage Modification is to allow you to catch up on your payments AND to provide you with a monthly mortgage payment you can afford. 

Looking for information on HAMP or HARP?  Please visit for the most up to date information on Mortgage Modification.

Wondering if you have a Fannie Mae or Freddie Mac Loan?  Find out by visiting these websites: OR

Not sure where to start?  Call us to schedule a free consultation.

We represent consumers all over the Tampa Bay area in many areas of debt relief.  Bankruptcy, Foreclosure Defense, Credit Card Lawsuits.  It is important to know your options, and speaking with an experienced attorney is an important first step.  Call, e-mail or fill out our online form to request a free consultation.


Important Information for ALL homeowners looking for information on Mortgage Modification

There is a lot of information on the web about mortgage modification, and it is often hard to tell who and where the information is coming from.

The Federal Trade Commission (FTC) has put out a flyer warning homeowners about potential scammers and about private companies that are using names and phone numbers similar to those of the Government sponsored "Hope Now" and "Making Homes Affordable" programs.

Below are the links and web addresses to the FTC and the official Hope Now and Making Homes Affordable Website.

If you are looking for additional information on Mortgage Modification we recommend that you start here.

Federal Trade Commission

Making Homes Affordable


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Gary H. Baker, P.A.
Attorney and Counselor at Law
2470 Sunset Point Road
Clearwater, Florida 33765

Call us today to schedule your free attorney consultation.
(727) 793-0066
or send us an e-mail:

Clearwater Office                                               New Port Richey Office            
2470 Sunset Point Road                                                7218 Congress Street                  
Clearwater, Florida 33765                                              New Port Richey, Florida 34653           
(727)  793-0066                                                             (727) 376-3180                                    
Pinellas County                                                              Pasco County                                        

We are a Bankruptcy Attorney who files Bankruptcies in the Middle District of Florida Bankruptcy Court. From our offices in Clearwater (Headquarters) and New Port Richey Florida we serve clients throughout the Tampa Bay area including:

Pinellas County - Clearwater, St. Petersburg, Largo, Pinellas Park, Seminole, Safety Harbor, Dunedin, Palm Harbor, Tarpon Springs; Pasco County - New Port Richey, Trinity, Port Richey, Holiday, Hudson, Zephyrhills, Dade City; Hernando County - Spring Hill, Brooksville, Weeki Wachee; Hillsborough County - Tampa, South Tampa, Carrollwood, Odessa, Lutz, Land O Lakes, Plant City, Riverview; as well as clients in Polk and Manatee counties.

We are a debt relief agency. We help people file for bankruptcy
under the United States Bankruptcy Code.

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.