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The fear of losing your home is very real if you are unable to stay on top of mortgage payments. When you fall behind, a lender may take steps to begin foreclosure. Fortunately, bankruptcy can offer you protection and prevent the loss of your home. If you are considering filing for bankruptcy as a means of stopping foreclosure, it is important to take action right away.
As a Gainesville bankruptcy attorney, I understand what you are up against. You can trust my team to create strategic solutions for your problems and work tirelessly on your behalf. With over 20 years of experience, I understand the bankruptcy system like few other attorneys. This knowledge is invaluable when it comes to the real-life concerns my clients are facing.
When you file for Chapter 13, an automatic stay is immediately issued by the court. This means that all collection attempts by creditors must cease, including foreclosure. Even if a foreclosure sale has been scheduled, it must be postponed while the bankruptcy is pending.
Chapter 13 offers homeowners facing foreclosure the following advantages:
The Chapter 13 repayment plan covers a period of three to five years during which you pay off certain debts. Individuals with a high enough income and the desire to save their home can benefit immensely from Chapter 13 for this very reason.
Most lenders have no inhibitions about starting the foreclosure process and won’t hesitate to take legal action if you are behind on mortgage payments. At my firm, I know how imperative it is to move swiftly and with complete single-mindedness. The goal is to save your home – you can rely on my team to do whatever it takes to make that happen.
Don’t wait another day to save your most valuable possession. Call 352.379.2828 to get in touch with my firm today.