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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Losing Your Home In Bankruptcy

Losing your home in bankruptcy is never a pleasant experience.  The details of the process, however, are very important.  There are several things to keep an eye on when surrendering a home. Some of these details are: property taxes, HOA fees, home insurance, and utilities.

Property Taxes

Property taxes are your responsibility until you surrender the property to the lender.  Sometimes, property taxes are bundled with your mortgage and a mortgage default will bring mean tax delinquency.  When you file bankruptcy, all unpaid property taxes will be part of your case.  Timing here is important.  If you don’t hand over the keys on time or make an error with the dates when you file, you could continue to owe taxes on the property.  Talk with your bankruptcy attorney to make sure you minimize your property tax debt.

HOA Fees

Similar to property taxes, HOA fees owed before filing bankruptcy are part of your case but HOA fees due after filing bankruptcy are still yours to pay.  For this reason, deciding whether or not you want to surrender your home and getting the dates right when filing bankruptcy is very important.  Sometimes, HOA fee settlements can be negotiated.  This can drastically lower how much you have to pay.

Home Insurance

Although it’s rare, the unexpected can happen.  Fires, injuries, earthquakes, and other natural disasters are all real problems.  Insurance is often bundled with a mortgage and when mortgage payments stop, the home may become uninsured if the lender does not make the insurance payments out of its own pocket.  This leaves the homeowner vulnerable.  In the case that you cannot afford home insurance, contact your lender right away.  It is not uncommon for them to pay insurance because it protects their investment.

Utilities

Staying current on utilities is always recommended.  Depending on the circumstances, lack of utilities can lead to property damage (i.e. broken pipes from freezing water).  If you cannot afford utilities, there are programs that offer help to lower income families, so keeping your utilities on can still be an option.

If you have any questions or concerns with regard to your responsibilities when surrendering your home, contact your local Yuba City bankruptcy attorney at (530) 797-4402.

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