{"id":3186,"date":"2025-11-27T17:39:41","date_gmt":"2025-11-27T17:39:41","guid":{"rendered":"https:\/\/www.777injury.com\/?p=3186"},"modified":"2025-11-27T17:39:41","modified_gmt":"2025-11-27T17:39:41","slug":"algo-malvado-por-aqui-viene-reinicio-de-heloc","status":"publish","type":"post","link":"https:\/\/www.777injury.com\/es\/algo-malvado-por-aqui-viene-reinicio-de-heloc\/","title":{"rendered":"Algo malvado por aqu\u00ed viene \u2013 Reinicio de HELOC"},"content":{"rendered":"

Casi cuatro millones de personas que compraron casas y tomaron l\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) entre 2005 y 2008 est\u00e1n a punto de entrar en el per\u00edodo de reembolso. Hasta ahora, es posible que solo hayan estado pagando intereses, lo cual era manejable. Sin embargo, el per\u00edodo de reembolso incluye tanto intereses como capital, y normalmente hace que el pago se eleve significativamente. Esto puede significar problemas graves para muchos propietarios.<\/p>\n

\u00bfQu\u00e9 se debe hacer? Primero, no ignores la situaci\u00f3n. Llama a tu banco y averigua cu\u00e1ndo se reiniciar\u00e1 tu pago y cu\u00e1l ser\u00e1 el monto. Muchos prestamistas se comunicar\u00e1n contigo antes de que tu HELOC se reinicie. \u00bfPuedes pagarlo? Si no, pregunta a tu prestamista si est\u00e1 dispuesto a refinanciarlo en una nueva l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (con un nuevo per\u00edodo de disposici\u00f3n) o un pr\u00e9stamo con t\u00e9rminos que sean asequibles para ti. Tal vez incluso puedan extender los t\u00e9rminos de reembolso de tu pr\u00e9stamo actual de 10 a\u00f1os a 15 o 20 a\u00f1os. Si no logras avances con el banco, contacta a un abogado que pueda ayudarte a obtener una modificaci\u00f3n del pr\u00e9stamo. Atendemos estos casos desde nuestras oficinas en Orlando.<\/p>\n

Otra opci\u00f3n que debes considerar es la bancarrota bajo el Cap\u00edtulo 13. En una bancarrota del Cap\u00edtulo 13, adem\u00e1s de eliminar tus deudas de tarjetas de cr\u00e9dito, a veces podemos eliminar tu segunda hipoteca, pr\u00e9stamo con garant\u00eda hipotecaria o l\u00ednea de cr\u00e9dito HELOC. Si tu primera hipoteca es mayor que el valor de tu casa, podemos eliminar el HELOC que se est\u00e1 reiniciando. Al reunirnos con clientes que desean presentar bancarrota en Orlando<\/a>, hemos visto que muchas de estas viviendas a\u00fan est\u00e1n \u201cunderwater\u201d (con saldo negativo).<\/p>\n

Otra forma de ayudar en una bancarrota del Cap\u00edtulo 13 es intentar obtener una modificaci\u00f3n del pr\u00e9stamo de la segunda hipoteca a trav\u00e9s de una orden del juez de bancarrota, obligando al banco a sentarse con nosotros y contigo para intentar lograr un pago m\u00e1s manejable.<\/p>\n","protected":false},"excerpt":{"rendered":"

Casi cuatro millones de personas que compraron casas y tomaron l\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) entre 2005 y 2008 est\u00e1n a punto de entrar en el per\u00edodo de reembolso. Hasta ahora, es posible que solo hayan estado pagando intereses, lo cual era manejable. Sin embargo, el per\u00edodo de reembolso incluye tanto intereses como … <\/p>\n

Seguir leyendo \u00abAlgo malvado por aqu\u00ed viene \u2013 Reinicio de HELOC\u00bb<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-3186","post","type-post","status-publish","format-standard","hentry","category-sin-categorizar","entry"],"yoast_head":"\nAlgo malvado por aqu\u00ed viene \u2013 Reinicio de HELOC - Benenati Law Firm<\/title>\n<meta name=\"description\" content=\"En una bancarrota bajo el Cap\u00edtulo 13 en Orlando, a veces podemos eliminar tu segunda hipoteca, pr\u00e9stamo sobre el valor de la vivienda o l\u00ednea de cr\u00e9dito sobre el valor de la vivienda (HELOC).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.777injury.com\/es\/algo-malvado-por-aqui-viene-reinicio-de-heloc\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Algo malvado por aqu\u00ed viene \u2013 Reinicio de HELOC - 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