HOME OWNERSHIP IS THE AMERICAN DREAM DON'T LET IT SLIP AWAY! If your home is presently in foreclosure, a Chapter 13 filing will stop the foreclosure any time prior to the sale, and allow you to repay your mortgage arrears through your Chapter 13. You will still be obligated to make all future mortgage payments directly to the mortgage company, but they may not foreclose to collect any outstanding mortgage payments. The Bankruptcy Laws allow you to resume making your current monthly mortgage payments and puts the arrears you owe into a repayment plan with the Court. The repayment plan can be anywhere from 36 to 60 months. The Bankruptcy filing actually forces the mortgage lender to re-instate the loan, this means that the control has shifted from the Bank and it’s attorneys to you and your attorneys. Click Here for a Free on-line consultation! STOP GARNISHMENT A Chapter 13 or Chapter 7 Bankruptcy is one of the most powerful tools to immediately stop or avoid a Garnishment. A Creditor, once a judgment has been rendered against you, can use the Count Sheriff’s Office to enforce a garnishment of your wages. A Creditor can garnish up to 10% of your wages. By filing a Bankruptcy the Creditor is automatically stopped from collecting any debt against you. A Garnishment can diminish your hard-earned income making it nearly impossible for you to afford basic necessities. By filing a Bankruptcy and stopping the garnishment, you will be able to use your income for more important necessities in life and start saving for your family's future. Click Here for a Free on-line Consultation! UNFREEZE BANK ACCOUNTS The filing of a Bankruptcy triggers what is called an “Automatic Stay,” this means that any and all Creditors are forbidden from collecting on the debt that is owed. The “Stay” works for frozen bank accounts because the freeze is considered an attempt to collect the debt. The Creditor must lift the freeze or can be subject to sanctions from the Court. Click Here for a Free on-line Consultation!

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