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Help my foreclosure date is approaching
[June 6, 2008] by Foreclosure Help
Filed under: Bankruptcy to Stop Foreclosure, filing chapter 13 to prevent foreclosure, short sale help

There are many people that we have helped stop foreclosure that were unemployed but had a job offer. We have stopped foreclosure and are able to save homes based on a future job. If you have been denied a loan modification and now have a job and can afford your home or furn a slight deficit we can help. In some instances where homeowners can not afford their homes we have referred to a credible company th stop foreclosure with short sale help.

I lost my job in December, but found another at a lesser pay. We were in a Chapter 13 trying to catch up, but I was just unable to make the payments. I have been trying to contact the attorney who handled the Ch 13 for us, but have had no response. At this point, I am past due on my BK payments, my secondary mortgage payments and my primary mortgage payments. Total due is probably around $4000. I recently spoke to the primary mortgage company and they told me that I would get a letter soon from their attorney-a notice of default. I am scared to death that I am going to lose my home. We have four small children and simply can’t afford to go through this. I am a good person who is trying very hard to do what is right. I am going to a job interview today in hopes that I can get a better paying job. Please help me so that I do not lose my home.

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Stop Home Forecloser
[June 1, 2008] by Foreclosure Help
Filed under: Bankruptcy to Stop Foreclosure, Foreclosure Help with Litton Loan Service, filing chapter 13 to prevent foreclosure

I fell behind on some of my payments. I am in chapter 13 my past payments are just about caught up. These past due are what they are alleging from just recently. They say I have not paid my bankruptcy payments yet I have and they are now putting me back in forecoser. Can you help stop my foreclosure? I am facing foreclosure with Litton Loan Service

Stop foreclosure in Bellwood

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We are in Bankruptcy and we can’t afford the payments.
[May 23, 2008] by Foreclosure Help
Filed under: Bankruptcy to Stop Foreclosure, We are in Bankruptcy and we can’t afford the payments, what can we do

If you have filed bankruptcy and can no longer afford your bankruptcy payments you lender will petition the court to release the home from bankruptcy and the process with the lender begins right where you left off. If you were in foreclosure before bankruptcy than you will be placed back in foreclosure. Contact the company that offers the best foreclosure help.

Be sure that once yo are released from bankruptcy you reaffirm your debt on the house. It is imperative you do this in order to retain your home and get a loan modification if you qualify.

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should we file bankruptcy to save my home
[April 28, 2008] by Foreclosure Help
Filed under: Bankruptcy to Stop Foreclosure, foreclosure help in Denver, should we file bankruptcy to save my home

Should we file bankruptcy to save our home? Se what others have said below that filed bankruptcy. You will see that what the lawyers teel you and what really happens are different in many instances. It may stall foreclosure for a few days but in the end they will put you on a repayment plan in many instances you can not continue to pay for years. We have been successful in getting homeowners a modification and reduce their payments. We do not guarantee a loan modification but if you can afford your home or run a slight deficit we have helped. below are some homeowner that believed their attorney and look at their situation back asking for foreclosure help

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I was laid off in April. I got a letter stating my monthly house payment will go up in August. Also I filed for bankruptcy in December and it has not been discharged but I can no longer afford the bankruptcy payments. I want to keep my house, but I am not sure I can refinance due to losing my job and filing for bankruptcy. I am not yet behind, but I have a great feeling that I will soon be. The bankruptcy attorney told me I would be ok and I am in the same situation as I was before except I now have a bankruptcy on my record also. help me stop foreclosure.
I need foreclosure help in Brighton

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Filed Bankruptcy and Reaffirmed the mortgage
[April 10, 2008] by Foreclosure Help
Filed under: Bankruptcy to Stop Foreclosure, Divorcing Need Foreclosure help

My husband and I purchased the home 8 yrs ago on a five yr. mortgage plan. We separated and i have tried to keep the house. We refinanced on a 3 yr. plan and then divorced this past year. I filed bankruptcy and reaffirmed the mortgage. The mortgage expired and my plan was to refinance in my name only. Timing has been an issue for me because my sister in law was living with me and she died of breast cancer a few weeks back. Trying to settle all of her stuff and take care of this has been an issue for me. And now time has gotten away from me. Because I have reaffirmed the loan, I will have to pay for the house anyway. I realize that the sale is tomorrow and I am not sure there is anything that can be done - but I really need your help. I fell behind due to being the primary caregiver of my sister-in-law during her illness. Her medications and care were very taxing. Her daughter is now living with me. I have access to money granted to me in our divorce from my husbands 401k. I want to keep my house and get my life back together. help stop foreclosure

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will bankruptcy stop foreclosure
[April 1, 2008] by Foreclosure Help
Filed under: Bankruptcy to Stop Foreclosure

The bankruptcy and foreclosure processes are closely tied to one another. If a customer files for bankruptcy while the loan is already in active foreclosure, then all foreclosure proceedings must be put on hold for a specific period of time as determined by the US Bankruptcy Court.
When a customer files for bankruptcy, and the mortgaged property is involved in foreclosure, the following events occur:
· The customer files bankruptcy
· The lender ceases foreclosure activities
The customer continues to be protected from foreclosure action until the following occurs:
The bankruptcy case is dismissed by the US Bankruptcy Court; or
The lender is granted a Relief from Stay; or
The chapter proceedings are terminated with a discharge or a denial of discharge by the court.

Although the foreclosure proceedings are ceased you will be placed on a repayment plan and if you miss even 1 payment you will be placed right back into foreclosure. We can get a repayment plan for you and keep a bankruptcy off of your record. Although repayment plans are an option we go a step further and push for a loan modification and also work to fix your adjustable rate. In bankruptcy that is not an option.

We will help stop foreclosure without having to file bankruptcy.

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Bankruptcy to Stop Foreclosure
by Foreclosure Help
Filed under: Bankruptcy to Stop Foreclosure

Bankruptcy to Stop Foreclosure

Bankruptcy will stop foreclosure but it is important to understand bankruptcy in order to make an informed decision. Bankruptcy is a federal court proceeding created to relieve the debts of an individual or business unable to pay its creditors. The proceeding is filed in the United States Bankruptcy Court within the district where the debtor resides.

The primary reason customers file bankruptcy is to obtain the protection of the Bankruptcy Court. The most common reasons for filing bankruptcy are:
Excessive debt
Failing business
Divorce
Death in the family
Layoff
Decrease in pay
Delay foreclosure proceedings

Bankruptcy Chapters

A chapter is a division of the Bankruptcy Code governing the various types of bankruptcy cases filed by a debtor.
There are five chapters in the bankruptcy code:
Chapter 7 - This filing covers the liquidation of individual or business assets.
Chapter 9 – This filing is used when cities file bankruptcy. The chapter provides for a reorganization of debts and obligations.
Chapter 11 - This filing covers the reorganization of a business.
Chapter 12 - This filing covers the farmer.
Chapter 13 - This filing covers the reorganization of individual debt. The bankruptcy court approves a repayment plan.
A bankruptcy filing may be converted from one chapter to another, but the United States Bankruptcy Court must provide authorization.

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