Serrano Law Firm, LLC

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Connecticut Personal Injury & Accident Lawyer Blog

860 236-9350  ▪  800 856-6400

690 Flatbush Avenue, West Hartford, CT 06110-1308

27 Holmes Avenue, Waterbury, CT  203 756-6100

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690 Flatbush Avenue West Hartford, CT  06110-1308

860 236-9350             800 856-6400  toll free     860 523-9101  fax

27 Holmes Avenue Downtown Waterbury 203 756-6100

 

Save Your Home From Foreclosure

    Thousands of people in Connecticut have used Chapter 13 Bankruptcy to save their homes from foreclosure.  We can help you save your home from foreclosure.  As Connecticut bankruptcy lawyers, we may even be able to help you get rid of second or third mortgages, reduce car loan payments, and cancel some or all of your credit card and other debt.

 

    Call us for a free bankruptcy consultation.

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We will take the time to explain what you can do to save your home.

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We will answer all your foreclosure and bankruptcy questions.

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We understand it may be difficult for you to take time off from work, so we can make an evening or Saturday appointment for you.

 

    You can use Chapter 13 bankruptcy to save your home from foreclosure, as long the foreclosure has not reached the point where title to your home has passed over to the bank (the Law Days have passed) or there has been a foreclosure sale and the Connecticut Superior Court has confirmed the sale.

    Under Chapter 13 bankruptcy, you put together a repayment Plan to get caught up on the overdue mortgage, which will include late charges, the bank's attorneys fees and court costs, and any foreclosure committee's fees.  While you are making the Chapter 13 Plan payments, you are required to keep your monthly mortgage payments current.  The repayment period can last from 3 to 5 years.

    As part of your Bankruptcy Plan, you may avoid having to pay all or part of your unsecured debt (credit cards, utilities, doctor and hospital bills, income taxes).  Whether and how much unsecured debt you will have to pay depends on a number of things, including your income, your expenses, how much you will be paying to get caught up on your mortgage, and whether you have filed Chapter 13 before.

 

    If you have just been served with foreclosure papers, keep these important points in mind:

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Do not panic, you are not about to immediately lose your home.
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A foreclosure takes a while, usually 3 to 6 months, depending on how fast the bank moves the case along and what you may be able to do to slow things down.

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You may qualify to have the foreclosure court give you 6 months time to get caught up on your mortgage.

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Talk to an experienced bankruptcy attorney right away.
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A successful Chapter 13 bankruptcy case takes time to prepare.

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Attorney will charge more, or may not even take your case, if you wait until the last minute to file bankruptcy.

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You can not even file a Chapter 13 bankruptcy case until you have undergone mandatory credit counseling.

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The longer you let the foreclosure case go on, the more you will owe the bank.
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The bank's attorney's fees are added to the amount of your mortgage.

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If a foreclosure sale committee has been appointed, the committee's fees are added to the amount of your mortgage.

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Late charges and interest continue to pile up during the foreclosure.  Once you file Chapter 13, you may be able to reduce the amount of interest you are paying.

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Once you file Chapter 13 bankruptcy, several deadlines begin to run.  The more time you have to prepare for these deadlines, the more likely your Chapter 13 bankruptcy case will be successful and allow you to save your home.

When You Need a Connecticut Bankruptcy Lawyer,

Rely on Us for Skill, Determination and Experience.

Connecticut Debt Relief By Filing Bankruptcy

Congress has designated the Serrano Law Firm a debt relief agency.

We help people file for debt relief under the Bankruptcy Code.

Spanish Spoken  Hartford and Waterbury Bankruptcy Lawyers, Spanish Spoken

Hablamos Espanol  Abogados Bankruptcy - Hartford, Waterbury, New Britain, New Haven

Go To BANKRUPTCY Home Page

 

Attorney John Serrano - Personal Injury, Social Security Disability, Divorce, Bankruptcy, Immigration, Workers Compensation.  Hartford, Waterbury

Please note that our law firm's website is designed to provide only general legal information.

This information is not intended to be legal advice for your individual situation.

Call us for personal injury, Social Security, divorce, bankruptcy, immigration, workers compensation and criminal cases.

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