What is Foreclosure?

Foreclosure is a legal process whereby a lender attempts to force the sale of your home, and to recover any remaining balance of the loan from you.  Foreclosure is a long, drawn out and stressful process that does not have to happen.

If you are behind on your mortgage payments, or are constantly juggling bills to make your monthly payment, you need to take action now.


Step 1: Welcome to Our Office!

You have just now taken the first step by coming to our firm, where we use the bankruptcy laws to stop foreclosure and help you keep your home.

Step 2: Understanding Your Bankruptcy Claim

The most important thing you should know is that ONCE WE FILE THE BANKRUPTCY PETITION, THE FORCLOSURE PROCESS STOPS IMMEDIATELY! Upon meeting with you, we can review your financial situation and recommend the right solution for you. For many people, this means a Chapter 13 bankruptcy filing. For others, Chapter 7 may be a better solution. 

A Chapter 13 Bankruptcy IMMEDIATELY stops foreclosure and can reduce your unsecured debts. This provides you with financial breathing room and can make it much easier to cover your mortgage payments. Past due mortgage payments are rolled into your payment plan, so it may make sense to file as soon as you can to reduce the arrears and make your Chapter 13 plan payment more affordable.

A Chapter 7 Bankruptcy also provides an AUTOMATIC STAY to foreclosure actions. This “stay” freezes any creditor from placing a claim on your property and allows you to come up with the money to cover your past due mortgage payments or find another place to live. This also allows you to eliminate many types of unsecured debts such as credit card and medical bills. It is still possible to keep your home and we will do everything we can to help you to retain your property.

Step 3: Act Quickly and Contact Us Today!

We can stop foreclosure at any time up to the foreclosure sale. As with other legal matters, the sooner we act, the better off you will be. We will DEVELOP A PERSONALIZED PLAN for you that is designed to avoid foreclosure and discharge as many debts as possible so that you may begin again.

Step 4: Contact Us Today!

Contact Us Today to speak with one of our experienced attorneys for a FREE CONSULTATION to review your case. 

PLEASE UNDERSTAND THAT BY CONTACTING US, THIS IS NOT AN ENGAGEMENT OF REPRESENTATION! THIS IS A MERE INQUIRY UNTIL YOU SIGN THE PAPERWORK IN OUR OFFICE!

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