As the housing market in New Jersey and the United States continues to decline, many people are falling behind on their mortgage payments and are worried about losing their homes. If you are facing foreclosure and the prospect of losing your home, you already understand what is at stake. It is important to know that you have options and may be able to stop foreclosure. Should these options include loan modification, you can rely on us for those legal services as well.
At the law firm of Brenner Brenner & Spiller, our New Jersey attorneys focus on helping individuals save their homes from foreclosure by providing honest and straightforward advice, and options that work for their individual needs. With more than 30 years of experience in foreclosure and bankruptcy law matters, bankruptcy attorney Brad Spiller has the legal knowledge to help you through these difficult and complex issues throughout Central and South Jersey.
Stop Foreclosure Through Bankruptcy
If you are facing foreclosure and are looking for options to save your home, you may want to consider filing for bankruptcy. If you have a substantial amount of debt, but are current on your mortgage payments and do not have much equity in your home, Chapter 7 bankruptcy may be a great way to discharge your debts and put more of your income toward meeting your mortgage obligations.
If you are not current on your mortgage and are worried about losing your home, Chapter 13 bankruptcy may still be an option for you. In a Chapter 13 bankruptcy, you can make payments on your mortgage arrears over time and pay off other outstanding debts without losing your home. In both Chapter 7 and Chapter 13 bankruptcies, foreclosure proceedings and sheriff sale proceedings have to stop immediately.
At Brenner Brenner & Spiller, our attorneys can help you understand the right option for your individual situation. In these situations, there is never a typical solution, and all factors must be considered when making tough financial decisions.
Contact Our Debt Relief Attorneys
There may be options available that can help you stop foreclosure and save your home. Contact our Central and South New Jersey bankruptcy lawyers online or call 856-963-5000 to schedule a free initial consultation to discuss your situation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.