Save Your Home With a Sonoma County Short Sale Bankruptcy Lawyer
Many responsible homeowners in California are at risk of home foreclosure as a result of predatory lending practices, rising mortgage payments and the current economic climate. If you are at risk of losing your home, it is important that you understand what options are available to you and whether it is in your best interest to save the home or walk away.
At the Law Offices of Brian A. Barboza in Santa Rosa, we help our clients take immediate action to stop the foreclosure process through bankruptcy protection. We can protect your rights, even if you are significantly late on your home mortgage payments. Attorney Brian Barboza will help you file for bankruptcy, if it is in your best interest, and will guide you through the steps with confidence.
Contact us to learn more about foreclosure, bankruptcy and debt relief in the North Bay and Wine Country. Call us toll free at 866-965-2831.
If Your Home Is at Risk, Talk to a Santa Rosa Home Foreclosures Attorney
As soon as you file for bankruptcy, an "automatic stay" is put in place that will stop the foreclosure process.
Chapter 13 bankruptcy is a tool that can help you save your home if you are behind on your mortgage payments and you want to save the home from foreclosure. Chapter 13 institutes a repayment plan that will allow you to meet all of your living expenses first and then pay additional income to creditors.
Chapter 7 bankruptcy may offer only temporary defense against foreclosure. The automatic stay will halt the foreclosure process, but may not provide you with the opportunity to catch up with mortgage payments.
In some situations, saving the home is imperative and Chapter 13 is largely the best method for doing this. In others, it is in your best interest to walk away from the home and to not be responsible for the deficiency. We can help you decide which option makes the most sense for you.
Learn More Information About How to Stop Foreclosure
For more information regarding home foreclosure and bankruptcy, please contact us at the Law Offices of Brian A. Barboza in Santa Rosa, California. Call to schedule a free initial consultation at 707-304-5251 or toll free at 866-965-2831.
