Boca Raton Foreclosure Lawyer

If you are struggling financially, the most urgent thought on your mind is probably: “Will I be able to keep my house?”

At the offices of Boca Raton bankruptcy lawyers Eric N. Klein & Associates, P.A., we know how badly people want to hold on to their homes through the bankruptcy process. We understand that losing your house to foreclosure can cost you much more than just a place to live. It may also cost you your sense of security and connection to the wider community.

However, under bankruptcy law, you may be able to delay or even stop foreclosure proceedings on your home. Contact Boca Raton bankruptcy attorneys of Eric N. Klein & Associates, P.A. for more information on your options.

The Automatic Stay

As soon as you file for bankruptcy protection under either Chapter 7 or Chapter 13, the bankruptcy court will declare an “automatic stay.” This orders all of your creditors to immediately cease their debt collection activities – including foreclosure proceedings on your house.

Although the automatic stay is not permanent, it often lasts until the end of the bankruptcy filing process, giving you at least three to four months of extra time while you work out your mortgage problems.

Chapter 13 Bankruptcy

Filing for Chapter 13 bankruptcy is a way to rearrange your finances to get out of debt. Some of your debts will likely be dismissed, which means those lenders won’t be able to take action against you. This will allow you to focus your time and efforts on paying secured debts such as mortgages. You will also be able to work out a simple repayment plan with your creditors.

The Boca Raton bankruptcy lawyers of Eric N. Klein & Associates, P.A. can provide more information about the Chapter 13 process and how it can help you keep your home. He will also represent you in meetings with your creditors and fight to make sure your rights are protected.

Foreclosure Defense

When a lender notifies a debtor about pending foreclosure on his or her home, he or she has 20 days to respond. If the lender has made a mistake or overlooked one of the debtor’s rights, the foreclosure can be found invalid. Good legal representation is the key to winning this complex legal argument.

Contact Us

If you are facing foreclosure on your home, don’t lose hope. Learn more about ways to protect your home, your rights, and your future by contacting Boca Raton foreclosure lawyer Eric Klein at 561-353-2800.