Bankruptcy Alternatives
Stop Foreclosures
If you're behind on your mortgage payments and facing a foreclosure, your options are limited. At your free consultation, we will explore the non-bankruptcy ways to stop a pending foreclosure, such as the following:
- Loan modifications
- Short sales
- Government programs
Ultimately, the best way to completely stop a foreclosure from occurring is to file for Chapter 13 bankruptcy. As soon as your Chapter 13 case is filed, your mortgage company is prohibited by law from continuing to foreclose on your property.
Stop Creditor Harassment
You should explore all of your options before filing for bankruptcy. At your free consultation, we will discuss the non-bankruptcy ways to stop creditor harassment, such as the following:
- Debt settlements
- Debt consolidation
- Cease and desist letters
Ultimately, your creditors are not legally required to stop their collection efforts until the debt is satisfied or you file for bankruptcy. When you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy you are instantly protected by the law. As such, your creditors must immediately stop all communication with you.