If you are behind in your mortgage payments, your lender will eventually foreclose on your home. If you are facing foreclosure, filing bankruptcy can help you. In a Chapter 7 bankruptcy, the automatic stay will protect you from foreclosure until either the case has concluded (usually 3 to 4 months) or the lender obtains permission from the court to proceed with the foreclosure.
In a Chapter 13 bankruptcy, your payment plan can be structured to cure the amount of mortgage arrears, thereby avoiding foreclosure and getting back on track with your mortgage. Call Roseville bankruptcy attorney Seth Hanson today at (916) 780-7005 and schedule your FREE consultation to discuss your options.