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What options are there in the pre-filing stages of foreclosure?
There are a variety of options during what is called the “pre-filing” stage of foreclosure: repayment plan, reinstatement plan, and loan modification. Continue reading →
Posted in Bankruptcy/Foreclosure/Other Financial Problems
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Tagged avoiding foreclosure, behind on house payments, calls from mortgage company, cba, Cincinnati Bar Association lawyer referral, Cincinnati lawyer referral, collection, HAMP, Home Affordable Mortgage Program, loan modification, lrs, modified mortgage payments, mortgage payment, reinstatement plan, repayment plan
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What should I do if I am behind on my mortgage payment?
When you are behind a few months on your mortgage payment, the worst thing you can do is not communicate with the lender Continue reading →
Posted in Bankruptcy/Foreclosure/Other Financial Problems
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Tagged avoiding foreclosure, behind on house payments, calls from mortgage company, cba, Cincinnati Bar Association lawyer referral, Cincinnati lawyer referral, collection, HAMP, Home Affordable Mortgage Program, loan modification, lrs, modified mortgage payments, mortgage payment, reinstatement plan, repayment plan
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What is Chapter 7 Bankruptcy?
The basic idea in a Chapter 7 bankruptcy is to wipe out (discharge) your debts in exchange for your giving up property. Continue reading →
Posted in Bankruptcy/Foreclosure/Other Financial Problems
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Tagged bankruptcy, behind on payments, cba, Chapter 7, Cincinnati Bar Association lawyer referral, Cincinnati lawyer referral, consult with bankruptcy attorney, debt, debtor, lrs, personal property, property exemptions, straight bankruptcy
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Can my income affect the type of bankruptcy I can file?
Yes, an experienced bankruptcy attorney will be able to review these figures with you to determine which type of bankruptcy you can file. Continue reading →
Posted in Bankruptcy/Foreclosure/Other Financial Problems
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Tagged bankruptcy, cba, Chapter 11, Chapter 12, Chapter 13, Chapter 7, Cincinnati Bar Association lawyer referral, Cincinnati lawyer referral, consult with bankruptcy attorney, debt, debt adjustment, debtor, lrs, straight bankruptcy, types of bankruptcy
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What is bankruptcy?
Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start. Continue reading →
Posted in Bankruptcy/Foreclosure/Other Financial Problems
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Tagged bankruptcy, cba, Chapter 11, Chapter 12, Chapter 13, Chapter 7, Cincinnati Bar Association lawyer referral, Cincinnati lawyer referral, consult with bankruptcy attorney, debt, debt adjustment, debtor, lrs, straight bankruptcy, types of bankruptcy
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What kinds of bankruptcy are there?
There are four types of bankruptcy cases provided under the law, Chapter 7, Chapter 11, Chapter 12 and Chapter 13. Continue reading →
Posted in Bankruptcy/Foreclosure/Other Financial Problems
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Tagged bankruptcy, cba, Chapter 11, Chapter 12, Chapter 13, Chapter 7, Cincinnati Bar Association lawyer referral, Cincinnati lawyer referral, consult with bankruptcy attorney, debt, debt adjustment, debtor, lrs, straight bankruptcy, types of bankruptcy
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Can filing bankruptcy help me avoid losing my home?
It is usually the last resort, but filing a Chapter 13 or Chapter 7 bankruptcy can allow you to possibly keep your home. Continue reading →
Can mediation help me avoid foreclosure on my home?
One of the best ways to get the lender to come to the table and start talking with you again is to request court mediation. Continue reading →
I’ve heard about HAMP. Can it help me keep my home?
The Home Affordable Modification Program (HAMP) is a federal program that offers loan modifications that can lower your interest rate, lower your payments, and help you keep your home and avoid foreclosure. Continue reading →
I have not made a mortgage payment in over 120 days, am I eligible to have a short sale?
A Short Sale is when you have found a buyer for your home, but the price is not enough to pay off the lender and all other creditors/lienholders on the title. Continue reading →