Foreclosure

Stop Home Foreclosure in Central Florida

Given the way the Real Estate market has turned for the worse over the last year, many consumers in Central Florida are finding that they are unable to afford the home they may have only recently purchased. To make matters worse, because of the state of the market today, many homeowners are also unable to sell the home to get out from under the mortgage. At the Law Offices of K. Hunter Goff, P.A., we provide the type of legal assistance, through bankruptcy, that allows people to either keep their home and restructure their debts through a Chapter 13 or give the home back to the bank and eliminate their liability to pay on the home loan.

Do you need an attorney who can stop home foreclosure by helping you file for Chapter 13 bankruptcy? Contact our firm today to schedule your consultation.

How does bankruptcy stop home foreclosure?

If your home is currently in foreclosure, or headed there, filing Chapter 13 bankruptcy prior to the foreclosure sale will stop the sale. Chapter 13 bankruptcy will also allow you to pay your monthly mortgage payment and the payments you fell behind on, through a Chapter 13 Payment Plan that we file for you at the beginning of your case. Depending on your situation, you may be able to eliminate all of your unsecured debt through a Chapter 13, or pay back only what you can afford to pay back to your unsecured creditors. The foreclosure process varies from mortgage company to mortgage company. Generally, homeowners will be served a summons. You have approximately 90 days from the time you are served before your house is sold. We advise you to contact a lawyer as soon as possible after you are served to stop the home foreclosure process and devise a workable plan.