For many people considering bankruptcy, one of the biggest concerns is keeping the family house. Whether your mortgage is in good standing and it is other debts that have become overwhelming or you have fallen behind on your home payments and the threat of foreclosure is present, I can help you explore your options and save your house. I am Joel L. Gross, a central Florida bankruptcy attorney with more than a decade of experience.
The reason it is so important to choose an experienced bankruptcy lawyer to handle your case is that you want to make certain your situation is reviewed carefully and specifically, and that you are not given any one-size-fits-all advice. When it comes to bankruptcy, one size does not fit all. I will review the details of your case and help you determine whether it is most appropriate to file Chapter 7 bankruptcy or Chapter 13 bankruptcy.
Chapter 13 bankruptcy is the most common option chosen by people who want to protect their homes. You will be able to include past-due payments in your debt reorganization plan. The plan will be designed based on your income and your other debts.
Chapter 7 bankruptcy may be the right option if your mortgage is in good standing or you are able to catch up on past-due payments. You will need to reaffirm your home loan. You will not be able to discharge past-due payments if keeping your house is your goal.
Whether you own a home or you have rental real estate or investment property that needs to be protected, there are options available. I can help you explore them so that you find the protection you need under the bankruptcy law.
To schedule a free consultation at my Clermont law office, call 352-536-6288 or send an email. Evening and weekend appointments are offered for those who cannot meet during business hours. Spanish-speaking service is available.