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Mortgage Foreclosure Avoidance Law FirmSaving Your Vista Home From Foreclosure| With careful financial and legal planning, you may be able to save your home in bankruptcy, even if you are behind in mortgage payments. Even if foreclosure proceedings have already begun — even if your mortgage is upside down — contact us at 760-643-4114 for a free consultation on saving your home. |
A home is much more than just the place where you and your family live. It is also likely your family's most valuable financial asset. Money, time and emotion are all invested in homes — and all of it can be wiped out by foreclosure. Experienced bankruptcy attorneys Paula Kleinman, Esq. and Jonathan Beck, Esq. can help you stop your bank or lender from foreclosing on your family's home. We Aim to Make the Law Work for YouWhen you file for a Chapter 7 bankruptcy or Chapter 13 bankruptcy, legal protections are immediately put into action to protect you. The first thing that happens is what is known as an automatic stay: It stops foreclosure proceedings (and prevents them from beginning while you are in bankruptcy), as well as halting vehicle repossession, wage garnishment and other collection activities. How We Help You Avoid ForeclosurePeople who own homes and have a regular income typically choose a Chapter 13 bankruptcy. It gives you up to five years to catch up on mortgage payments as part of a reorganization of your debt. An experienced bankruptcy lawyer from our firm works with you to create a workable plan to reorganize your debt and lower your monthly payments. The plan is then submitted to the bankruptcy court. After approval of the plan, you keep your home as long as you keep up your payments. In many cases, a Chapter 13 bankruptcy enables you to discharge some of your debt, while you make affordable payments on the rest. Don't Delay in Getting HelpIt is normal for people to be apprehensive about the possibility of filing bankruptcy. Too many people delay in getting the protections the law affords them simply because they are embarrassed by their financial circumstances. We are here to help, not to judge. We fully understand how a struggling economy can adversely affect good people. The law firm of Paula Kleinman, Esq. & Jonathan Beck, Esq. is ready to help. Contact us today at 760-643-4114 for a free consultation. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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