In times of hardship whether it be from the loss of a job, unforeseen medical expenses, divorce, illness, or just increased expenses, falling behind on mortgage payments can unfortunately lead to foreclosure. The last thing you want to worry about is losing the roof over your head. Guerra | Days Law Group has assisted many clients successfully so that they can keep their homes.
Mortgage lenders and service providers do not have an obligation to assist you with a loan modification, forbearance, or some sort of repayment plan. In many cases they make it very difficult to get assistance or just working with you to catch up. That is when you must search for alternatives to avoid and stop foreclosure proceedings such as bankruptcy and find a Houston bankruptcy attorney. Our firm provides bankruptcy services to assist and navigate you through this unfortunate time. You do not and should not go through this complicated and delicate process all on your own.
There are two types of bankruptcies being Chapter 7 and Chapter 13. Chapter 7 is a temporary option and not always the best option if your goal is to keep your home but can be used to stop foreclosure proceedings. The Chapter 13 filing can also stop the foreclosure proceedings. The Chapter 13 would allow you to propose a repayment plan which typically allows your arrears to be paid along with your regular monthly payment in three to five years depending on your income level. This will allow a pathway for you to keep your property for the long term and keep your home-ownership intact.
Our firm provides a Houston bankruptcy attorney that can assist with filing bankruptcies to prevent foreclosure. The last thing you want to do is navigate the intricacies of paperwork needed to file all on your own. Going at it alone or “pro se” can make the court process difficult especially if you are not familiar with the jargon and lingo used to navigate the process. Getting a dismissal because you did not understand the paperwork or court process can be devastating to your goal of staying in your home.
Through our customized services our Houston bankruptcy attorney can tailor the individual needs for every client’s individual circumstances. When you are dealing with possibly losing the roof over your head, make sure you go to the right professionals who know and specialize in these unforeseen circumstances. Our professionals have years of experience dealing with all sorts of mortgage lenders, service providers, and handling the court process to get you a successful outcome.
Call a Houston bankruptcy attorney from Guerra | Days Law Group to get started today and save your home the right way.