Is foreclosure approaching on your home? What will happen if you lose your home? Our experienced bankruptcy attorneys at Jason Allen Law will answer get that foreclosure stopped. We provide honest and hands-on legal solutions for people throughout the Kalamazoo area in consumer bankruptcy. We help people who have fallen on hard financial times by offering personalized, honest and trustworthy legal advice that they can fully benefit from.
What Is the Best Foreclosure Defense? Answer: Bankruptcy
Foreclosure is the legal way by which a bank will sell your home if you are unable to make your mortgage payments. If you are behind on your payments and heading toward foreclosure, one of the only ways you can stop it is through bankruptcy. Loan modifications often require burdensome documentation, provide nominally lower payments, and are costly and time consuming. If you can't get caught up on your payments on your own, bankruptcy is the answer.
Keeping your home and filing bankruptcy:
Chapter 7: If you are current on your payment, in most cases you will be able to keep your home and get rid of all your unsecured debt.
Chapter 13: If you are behind on your mortgage payments, this will help you get caught up on the payments and keep your home.
A wage garnishment is the enforcement of a judgment against you for a debt. The ONLY way to stop a garnishment is to pay off the debt or file bankruptcy . Once you file for bankruptcy, garnishments will immediately stop.
If you receive a notice for a judgment or are already experiencing wage garnishment, speak to a lawyer at our firm today. We won't judge or lecture you. We will listen to your situation and take action to help you get the debt relief you deserve. There is a light at the end of the tunnel, and that light is bankruptcy. The attorneys at Jason Allen Law can help you get there.
Anytime you do something new, it can be intimidating and scary, especially something like bankruptcy. You probably have several questions like:
Do I qualify?
Will my credit be ruined?
What documents do I need?
How long will the process take?
We are determined to make the bankruptcy process as simple as possible for our clients. We take out the stress by dealing with your creditors immediately, collecting the documents, and preparing the paperwork to file your case, we do all the the work for our clients. Our law firm serves Kalamazoo and all of the surrounding south west corner of Michigan in bankruptcy law, including Chapter 7 and Chapter 13 bankruptcies.
The lawyers at Jason Allen Law understand that a bankruptcy is a new thing to most filers, which is why we continually stay focused on building a strong client/attorney relationship. By building this relationship, we can provide each client with the most timely and effective legal solutions for their particular situations.
The bankruptcy process:
Step 1: File paperwork with the court detailing your financial situation.
Step 2: Attend a simple hearing where you are questioned about the paperwork filed. Your attorney will be in attendance.
Step 3: Watch two videos about financial planning.
Step 4: Be debt free within 3 months.