Bankruptcy can stop the foreclosure process, and can stop a sheriff’s sale of your home. We can work with you to save your home by modifying your mortgage loan. In some cases, we may be able to strip a second or third mortgage or home equity loan.
Berks, Montgomery, Chester County Pa. Foreclosure Debt Attorneys
At our Montgomery, Chester, and Berks County debt relief law office, our foreclosure defense debt attorneys will protect you while working with the mortgage company to reach the best possible solution to your mortgage problem. We do not only work with your mortgage company, we can also work with the IRS when a tax levy is causing foreclosure or even seizure by the IRS. We do not simply choose the easiest option, we will thoroughly analyze your situation to determine if Chapter 7, Chapter 13 or an alternative to bankruptcy is right for you.
Why Bankruptcy Might Be the Best Choice
Chapter 7 and Chapter 13 bankruptcy both sound like a grueling process, which has a negative connotation to the name. However, the Federal Government has set up these protections for debtors like you, who are sick of harassing phone calls and intimidating tactics to try to collect a debt. Chapter 7 can discharge all unsecured debt (credit cards, medical bills, personal loans), while also warding off pending foreclosure actions. Chapter 7 can give debtors the chance to get a fresh start while living in their home and keeping up with their mortgage. That’s right, you can keep your home in a Chapter 7 Bankruptcy as long as you are current and stay current with your mortgage payments. There are other options that we may be able to negotiate with your mortgage company for you, such as a short sale, which will help you avoid the damaging effects of a foreclosure.
Chapter 13 bankruptcy stays off a pending foreclosure or sheriff’s sale, while giving you a chance to catch up on your debt at a fraction of the cost. We work with you and your mortgage company to get you fair and reasonable means to catch up on your debt.
We Can Sue Your Creditors
There are consumer laws that protects consumers from harassment and improper collection tactics by their creditors and debt collectors. This means that if you have been harassed or have been the victim of improper collection tactics, our debt attorneys may be able to get money for you. Not only can we use the improper tactics used by creditors and debt collectors to earn you money in the future, but in most cases, we can use these as a bargaining chip to reduce the amount of debt you owe.
Contact Our Limerick, Conshohocken, Downingtown, and Reading Area Debt Attorneys Today
Our attorneys are ready to discuss your concerns and provide answers. Our attorneys represent clients in Pottstown, Norristown, West Chester, Lancaster, Reading, and the surrounding areas.