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|When mortgage payments are missed, the reason is often a loss of income due to illness, loss of employment, or other temporary problem. Filing a Chapter 13 Bankruptcy can provide up to 60 months to "catch up" on missed payments and save your house.|
|One common scam is to offer to buy your house and then rent it back to you. If you sell your house with a "QUIT CLAIM" deed, the mortgage is not satisfied, and the lender may continue with foreclosure.|
|Your chances of obtaining a substantial loan modification will be greatly improved if the lender has violated the law…but how will you ever know? A lawyer can help you gain negotiating leverage on your behalf by finding violations of the law or capitalizing on provisions of the bankruptcy code.|
Also known as a "Fresh Start" or "Straight" bankruptcy. A Chapter 7 Bankruptcy allows a person to eliminate most or all of their debt, while being able to protect most of their assets.
Also known as a "Restructuring" Bankruptcy. A Chapter 13 Bankruptcy allows you to "Catch-Up" on arrears, while also getting current with secured payments such as a home or motor vehicle. Chapter 13 also allows a person to eliminate many unsecured debts and even some second mortgages.