An Attorney Fighting to Help You Keep Your Home
When you've worked hard to get yourself in a position to buy a home, the threat of losing that home through foreclosure is an intimidating one. If you are concerned about the possibility of foreclosure due to a temporary setback to your income or any other cause, you should consult a lawyer as soon as possible.
At the Law Offices of Scott R. Schneider in Hicksville, I help clients explore what they can do to stop foreclosure. Based on my extensive experience with both bankruptcy and foreclosure defense law in New York, I can make sure you understand all of your options. Contact me to schedule a free consultation.
Stopping Foreclosure by Filing for Bankruptcy
If you've fallen behind on your mortgage payments and can't catch up with your arrears (late or missed payments), filing for Chapter 13 bankruptcy may allow you to stop foreclosure and get back on track with your current payments and spread your missed payments out over a three- to five-year period.
Filing for Chapter 13 bankruptcy immediately stops your lender from moving forward with foreclosure. Once you have a Chapter 13 repayment plan, your lender cannot foreclose on your home as long as you comply with the terms of the bankruptcy.
The protection of the bankruptcy court means that Chapter 13 is often a better alternative to negotiating a voluntary workout agreement with your mortgage company. Likewise, if you simply cannot afford to keep your home, filing for Chapter 7 bankruptcy may give you more protection than the short sale process.
Defending Homeowners Against Lenders' Claims
My law firm also offers a full range of foreclosure defense services, in addition to bankruptcy assistance. Representation by an experienced attorney at any stage of the foreclosure process can be extremely valuable. Depending on your circumstances, you may be able to avoid foreclosure altogether or slow down the process so you have time to catch up with payments or find other housing.
If you've received a default notice from your lender, been served with a foreclosure summons and complaint, or been notified of a foreclosure sale date, don't hesitate to contact me to discuss your foreclosure defense options.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
