Dont feel alone in the bankruptcy filing process. You can find help and whats more you can find the best help with a great La Mesa bankruptcy lawyer. Going through the bankruptcy process alone is an extremely daunting process and a great bankruptcy lawyer will be there to ensure that your paperwork is in order. All the smallest details will be taken care with an experienced bankruptcy lawyer on your side.
Chapter 13 bankruptcy is a chance for you to adjust your debts. During the Chapter 13 bankruptcy repayment period creditors cannot start or continue any collection efforts. However, foreclosure proceedings can be stopped by filing for Chapter 13 bankruptcy. Chapter 13 will require that you file a list of all of your assets and liabilities, your income and monthly expenses, copies of tax returns, any contracts and also a statement of your financial affairs. You will be required to get credit counseling before filing for bankruptcy. The counseling needs to be completed 180 days before filing.
You can hire a bankruptcy attorney to save your home from foreclosure. If the lender on your home offers no way out, if they make it clear they wont or cant work with you, you might have to file for Chapter 13 bankruptcy. Chapter 13 bankruptcy includes in it the automatic stay, whereby you can save your home from foreclosure. This may sound too good to be true, and there is some fine print. If you wait too long to file for Chapter 13 bankruptcy and to hire an attorney, technically the lender can file for a motion to lift the stay. Meaning: the automatic stay will be invalid.
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