Chapter 13 Bankruptcy and Foreclosure Lawyers
If you are struggling financially and have not been able to keep up with your mortgage payments, a personal bankruptcy filing under Chapter 7 or Chapter 13 can suspend foreclosure actions and help you get a fresh financial start. There are also ways that you can avoid foreclosure without filing for bankruptcy. You want an experienced attorney to help you understand your options, so that you can make decisions that are in your best interests.
At the law offices of attorney Zingarelli and Lawrence, we provide comprehensive and experienced counsel to people throughout northern Kentucky who face foreclosure proceedings. We understand the stress and anxiety that come with financial difficulties. We take the time to listen carefully so that we can learn about your needs and goals, and tailor our representation to get the results you seek.
Contact us by e-mail or call our offices at 859-838-6061 to set up an appointment.
Northern Kentucky Foreclosure Lawyers
Often, the fastest and most effective way to suspend foreclosure actions and save your home is through a Chapter 13 bankruptcy filing. When you file for bankruptcy, an automatic stay goes into effect, prohibiting your creditors from calling, writing or pursuing any legal action (outside of the bankruptcy) to collect on debt. Mortgage debt can either be discharged in a bankruptcy, if the property is going to be surrendered, or the debt can survive bankruptcy if you are attempting to retain the property. Chapter 13 can provide you with a structured way to catch up the mortgage arrearage in an interest and penalty free environment. Basically, If you want to delay a foreclosure to allow you to find alternate living arrangements, a Chapter 7 bankruptcy may be your best option. If you want to avoid foreclosure and keep your home, you should consider Chapter 13.
Another option that will allow you to keep your home is the modification of the terms of your mortgage. Loan modification is not a cure-all, however. Unfortunately, we know of too many stories of people who tried to handle a loan modification effort on their own, only to have foreclosure proceedings filed against them when they thought a modification was in the works. Regardless of your situation, if you think foreclosure proceedings are imminent, you need to contact us.
Burlington Chapter 13 Bankruptcy Attorney
Simply allowing your home to be foreclosed upon without understanding your options can lead to serious consequences that follow you for years. We understand the pressure and pain of falling behind on a mortgage. We can help you protect yourself and your family. We care about our clients and their well-being. We are not here to judge you; we are here to help you get the protection promised to you by the U.S. Constitution.
Contact Our Offices
For a no obligation initial consultation with an experienced northern Kentucky foreclosure lawyer, send us an e-mail or call our offices at 859-838-6061. We offer flexible meeting times and will work with you to schedule an appointment that fits your schedule. Free parking is available at our offices.
