Bankruptcy & Foreclosure
If you are behind on your mortgage payments or are already in foreclosure, bankruptcy may be able to help you save your home. Usually, Chapter 13 bankruptcy is the best way to save your house. It allows you to make up missed mortgage payments through your repayment plan and get back on track. Chapter 7 bankruptcy, while providing temporary relief from foreclosure, usually doesn't prevent the eventual foreclosure of your home. However, if you file for Chapter 7 bankruptcy early enough (before you are in arrears), you may be able to get rid of other debts and free up money to make your monthly mortgage payments.
The automatic stay in bankruptcy will immediately stop a pending foreclosure. Learn why the automatic stay provides temporary foreclosure relief in Chapter 7 and how Chapter 13 provides a permanent home retention solution.
Learn how Chapter 7 and Chapter 13 bankruptcy can get rid of deficiency judgments after foreclosure.
Here's what to do if your mortgage servicer won't send mortgage statements after your bankruptcy.
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