Stopping Home Foreclosures
Stop Foreclosure Today
The financial hardships that people are facing have affected them where they live, literally, in their own homes. The homes they have worked so hard for are being lost. The number of people who have lost homes through foreclosures is deeply troubling.
At the law offices of Stamps and Stamps, Attorneys at Law, we know you have options well before any negative actions are taken to foreclose upon your home. The sooner you reach out for help, the better off you will be and the less it will cost you. If you contact us for help when the sheriff’s sale is just a week away, the foreclosure can still be stopped, but it will be more costly to do so. You should get help as soon as you fall behind in your mortgage.
Roadmap to Financial Freedom | Dayton, Ohio, Offices: (937) 247-6447 or Toll Free 877-782-6770 | Free Initial Consultation | E-Mail Us
Chapter 13 Bankruptcy Protects Your Home From Foreclosure
If you are behind on your mortgage or your home is about to be sold in a foreclosure or a sheriff sale, you can stop this by filing for bankruptcy. Back payments may be added into the Chapter 13 bankruptcy reorganization plan over the next three to five years. As long as your Chapter 13 payments are made, you will be able to save your home.
If you have taken out a second mortgage, our law firm can help you determine whether your second mortgage can be discharged in a Chapter 13 bankruptcy. If your first mortgage is higher than the value of your home, we are able to eliminate the second mortgage for you in a Chapter 13. Call or email us for a free consultation to discuss your options and rights.
Chapter 7 Bankruptcy Protects Your Home
Usually, you are able to keep your home in a Chapter 7 bankruptcy. You must be current on your payments and you must have the ability to continue to make your payments. You are able to exempt (or protect) up to $20,200.00 equity per owner of the real estate. For most people, all of their equity in their home is protected.
Divorce and Bankruptcy
Divorce and bankruptcy often go hand and hand. If you are in a divorce, considering a divorce, or have recently been divorced, bankruptcy may be the best option for your financial future. Also, it is important to understand that issues involving divorce and bankruptcy often impact one another. You need an experienced lawyer that is able to walk you through those complications. Our attorneys can help you understand the issues involved in stopping foreclosure and filing for bankruptcy before or after your divorce.
Call Your Kettering Mortgage Modification Attorney Today
Our law firm places a strong emphasis on personalized service that puts our clients’ needs first. This attention begins with a free consultation, where we gain an understanding of your financial situation and offer you guidance on whether bankruptcy is a good choice and how you can create a practical strategy to experience debt relief. Call an experienced debt-relief law firm at (937) 247-6447 or 877-782-6770. Contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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