Many times a Chapter 13 proceeding under the Federal Bankruptcy Law will stop a foreclosure and allow you to make up your arrearage to the mortgage holder(s) over a period of 30 to 36 months.

Chapter 13 is a proceeding under the Federal Bankruptcy Law where a person turns his or her debts, together with a plan for paying all or part of this debt, to the bankruptcy court. The law prevents the creditors from attempting to directly collect their claims, including the foreclosure of your home, and permits you to make regular installment payments to a court appointed Trustee. The arrearage on your mortgage, car payments, and other debts are paid through a Court-approved Chapter 13 Plan. A Chapter 13 will also help you get relief from your credit card bills, medical bills, and most types of unsecured debt. If you feel that your debts, including your mortgage, are overwhelming, you may want to consider a Chapter 7 case. A Chapter 7 will give you a fresh start.

In order to prevent the foreclosure, a case must be filed before the foreclosure sale takes place.

We are a small law firm with over 30 years of legal experience. We have helped thousands of people find debt relief, and helped many people in your circumstances keep their homes. We are dedicated to providing personal service at a reasonable cost. If you have any questions or are interested in the available options, please call for a free, no obligation telephone consultation.

This is an advertisement. This letter is solely to provide information regarding options available to save your home . It is not a solicitation to purchase, or for legal services. “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.” The choice of an attorney is an important one and should not be made based solely on advertising. Call us. We can help.