Filing Bankruptcy to Keep Your House
The only surefire way to legally stop foreclosure is to file Chapter 13 bankruptcy. At Dees Law Office in Springfield, Illinois, our attorneys are committed to helping people like you avoid foreclosure and overcome debt. We will use our 20 years of experience to help you keep your house.
Why Chapter 13 Bankruptcy?
When you file Chapter 13 bankruptcy, an automatic stay goes into place. When this happens, all actions being taken against you by creditors, including foreclosure, must stop. Under Chapter 13 bankruptcy, you will then create a payment plan in order to get current on your secured debts, such as your home, and part of your unsecured debts, such as credit card bills. As long as you stay current on the payment plan, your house cannot be taken away.
Chapter 7, the other form of personal bankruptcy, is not as certain. While it slows the foreclosure process down, it may not stop it. Unless you're in a situation where your house is no longer affordable, Chapter 13 is the preferred option.
They Will Move Fast. We Will Too.
In Illinois, the foreclosure laws are very lenient to creditors, allowing them to move in very quickly. They have the ability to take your house in a matter of months. They will use the law to their advantage.
Our lawyers will not simply stand by and watch this happen. We take fast action to stop home foreclosure. After thoroughly reviewing your situation and exploring all options, if it turns out that Chapter 13 bankruptcy is right for you, we will file it. We will see that foreclosure and all other actions against you come to a stop.
Contact Us for a Consultation — Flat Rate Services are Available
Please contact us to schedule an initial consultation to discuss foreclosure prevention with an experienced attorney. Evening, weekend and at-home visits are available by appointment.
We charge a flat rate for our legal representation in bankruptcy matters.