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You can stop a foreclosure in its tracks by filing a Chapter 13 Bankruptcy case. In fact, filing a Chapter 13 Bankruptcy case is the only guaranteed method to stop the foreclosure of your home because upon filing your case you instantly have the United States Bankruptcy Court protecting you from your creditors. Upon the filing of a Chapter 13 Bankruptcy case, all creditors are immediately stopped from collecting on any debt, including any mortgage lender attempting to foreclose on your home. If necessary, a Chapter 13 Bankruptcy case can be filed right up to and including the minutes before the foreclosure of your home. A Chapter 13 Bankruptcy case will allow you up to 60 months to repay your past due mortgage, so long as you maintain future mortgage payments. For example, if you are $15,000.00 behind on your mortgage, this case would allow you to catch up with a monthly bankruptcy payment of approximately $275.00. It is also quite possible for a person to get out of bankruptcy earlier than 60 months.
Not only will a Chapter 13 Bankruptcy case save your home; the case may also allow you to eliminate your second mortgage and/or your equity line of credit. A Chapter 13 Bankruptcy case may even allow you to discharge unsecured debt (i.e. credit cards, medical bills, etc.) for pennies on the dollar. A Chapter 13 Bankruptcy case is a complex, powerful and effective solution to your debt problems. There are other considerations which would prompt one to file a chapter 13 Bankruptcy case. Again, having the right attorney, one whom you trust and with whom you can comfortably work, makes all the difference.
Please call the Law Office of Bardsley & Gray at 1-508-985-0054 today to learn how to stop foreclosure and to see if a Chapter 13 Bankruptcy case is the right financial option for you.
The Law Office of Bardsley & Gray represents New Bedford, Fall River and Dartmouth MA parties in the following bankruptcy areas:
- Stopping Foreclosure
- Bill Collections
- Credit Cards
- Tax Garnishments
- Tax Liens
- Law suits / Judgments