Practice Areas

Stop Foreclosures, Garnishments, and Car repossessions!

Stopping Foreclosures

We realize the pride and importance that an individual has in owning a home and how frustrating it can be when that home is being threatened by foreclosure.  Difficult economic times and the mortgage crisis have increased mortgage foreclosures across the Nation.  It can be a very stressful and frightening situation to find that you cannot make your mortgage payment.  The attorneys at Schuh and Goldberg are committed to helping you through these difficult economic times by explaining your options and guiding you to making informed decisions

The filing of a Chapter 13 bankruptcy can stop a foreclosure of your home up until the foreclosure sale. If you fall behind on your mortgage payments, call one of our attorneys at Schuh and Goldberg to consult on your options to saving your home. A Chapter 13 bankruptcy will stop the foreclosure suit, allow you to keep your home and get current on your payments. In a Chapter 13 case you are able to pay your missed mortgage payments back over 3 or 5 years without paying interest or late fees.

Although a Chapter 7 bankruptcy will not allow you to cure the past due payments on your home, it will stall the foreclosure (called the automatic stay) buying you time to find the funds to keep your home, negotiate for a loan modification, or allow you more time to find living arrangements. It will also take care of any deficiency balances you may owe once your home is eventually sold at a foreclosure sale.

If you find yourself in a situation where your home is being foreclosed, contact Schuh and Goldberg to help you make an informed decision on how to move forward.

Stopping Garnishments and Repossessions

The filing of a bankruptcy can be an effective way to immediately stop or avoid garnishments of your bank account or wages, and a repossession of a vehicle. Once a bankruptcy case is filed, whether it is a Chapter 13 or Chapter 7 bankruptcy, there is an automatic stay that prevents all creditors from contacting you, collecting money from you or harassing you. If you have found yourself in a situation where a creditor has obtained a judgment against you and is going to execute on that judgment, call the attorneys at Schuh and Goldberg to discuss the possible relief from such action with the filing of a bankruptcy.  We at Schuh and Goldberg recognize how overwhelming and frustrating it can be to fall so far behind on your bills that you must consider bankruptcy.  We treat you with the utmost respect to allow you to go through the process with as little stress as possible and get a fresh start.

Whether it be that you are behind on your mortgage payments, facing a foreclosure, garnishment of wages or bank account, or a repossession of a motor vehicle, call for a free consultation so that we can explain your options in more detail and help answer difficult questions in confidence.

 


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