Stop a foreclosure
get caught up on your mortgage
If you are behind on your mortgage or faced with foreclosure, filing a Bankruptcy is your right to stop a foreclosure and get caught up
No matter how many months you are behind on your mortgage, filing a Bankruptcy allows you to set up a plan to get caught up and keep your house. You can stop a foreclosure up until the date of the sale if necessary.
Sometimes your mortgage holder won’t work with you. That’s no problem. Filing a Chapter 13 Bankruptcy can force your mortgage company into accepting a plan that will allow you to get fully caught up on your mortgage payments.
If you only want to postpone the foreclosure, you can file a Chapter 7 Bankruptcy and the automatic stay can keep you in your house for some time until the mortgage holder gets relief from the stay.
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Are you facing foreclosure in Elizabethton, Johnson City, Kingsport, Bristol or surrounding areas?
If you are in Elizabethton, Johnson City, Kingsport or surrounding areas, I can help you come up with a plan to keep your house. In Tennessee, the creditor has the right to foreclose if you have defaulted on your mortgage. They are not required to go through a judicial proceeding and can foreclose after giving you notice and publicizing the foreclosure sale.
Act quickly if you have received notice of a pending foreclosure sale. Filing a Chapter 13 Bankruptcy in Tennessee is your right to get caught up on the mortgage and keep your house. Set a free consultation with an affordable bankruptcy lawyer in your area if you need bankruptcy help.
Contact us for Help Stopping a Foreclosure
Cisowski Law Bankruptcy and Debt Relief Options
Cisowski Law offers different types of bankruptcy and different debt relief options depending on your situation. There are two primary types of bankruptcy available for consumers, these are known as Chapters of bankruptcy based on the chapters they appear in the Federal Bankruptcy Code. The different chapters will give you different results and will be better depending on the individual.
A Chapter 7 Bankruptcy is a personal bankruptcy and elimination of debts. If you qualify to declare and file chapter 7 bankruptcy you can keep most or all of your assets including cars and home and eliminate most or all of your debts. In Tennessee most of your assets are exempt from reach of your creditors.
A Chapter 13 Bankruptcy is a repayment plan that allows you to stop foreclosures, recover lost vehicles and modify your debt so it works for your budget. Filing Chapter 13 is a powerful form of debt consolidation that bind creditors. You can restructure your debt and get better terms on car loans, furniture loans, and unsecured debts.