Foreclosures

When your house is or is going into foreclosure, there are steps you can take to prevent your home from being taken from you and forcing you to move out. The first step in stopping the legal proceeding against your home is to contact an experienced attorney to handle your case. The sooner you call an attorney the better situated you will be to accomplish your goals, whether that is to keep you in your house, or to walk away.

As a homeowner, you have many rights that you might not realize. For example, there are state and federal laws that protect you to a greater extent than if you held a mortgage on any other type of personal property, such as a car or boat. Because of this, banks have specific regulations and procedures in foreclosing on your home that must be complied with.

Another option that provides you with the ability to stop a foreclosure sale is by filing Chapter 7 or Chapter 13 bankruptcy. Filing bankruptcy under one of these Chapters provides an automatic stay of execution (halts the legal proceeding) against all foreclosure and collection actions until the court has ruled in your bankruptcy case.

If keeping your home is the primary goal, you may reaffirm your intent to continue paying your monthly loan payment under special provisions of the Chapter 7 or Chapter 13 of the bankruptcy code. At the same time, you can eliminate or reduce other debt, such as credit cards, in a Chapter 7 or Chapter 13 filing. This reduction in payments to creditors often makes it possible to meet your monthly mortgage payment.

If you have questions, contact us today to speak with an attorney who is ready to help you stop the foreclosure of your home.

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Attorney Daniel Ogden and his staff were such a help during my estate/will planning. I contacted a couple of attorneys and simply did not feel comfortable using them. Not so with Mr. Ogden. He was thorough and knowledgeable, making us feel very comfortable and secure in the decisions we made...

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If there was ever an attorney or legal office to trust, this is it! Dont bother going around town and getting the runaround from other people who will only partially represent you or overcharge for partial services. Daniel Ogden and his amazing staff are BY FAR the most competent and friendliest...

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