Save Your Home with a Foreclosure Defense Attorney in Topeka, KS

The pain of losing a home can affect a person for the rest of their life. When a homeowner is faced with the possibility of foreclosure, they often feel powerless. And the pain of losing a home can affect a person for the rest of their life. Thankfully, the law is on their side. To avoid foreclosure, homeowners can hire a foreclosure defense attorney in Topeka, KS to help them fully understand their rights and take the necessary steps to prevent the loss of their home.

To overcome the threat of foreclosure, one needs to seek help from a foreclosure defense attorney in Topeka, KS. They will go over a person’s financial records to determine their options. In some cases, an attorney may be able to work with the mortgage holder to help make arrangements on the past due mortgage payments. If this cannot be carried out, a homeowner may need to pursue bankruptcy.

Chapter 13 bankruptcy allows a person to avoid foreclosure so they can keep their home. Once bankruptcy has been placed in effect, all collection activity must be stopped immediately. Once the judge approves chapter 13 bankruptcy for a homeowner, they will give them a certain period of time to make their payments and catch up to current ones. Most people are given between three and five years, depending on their income and the amount they owe.

Although filing for bankruptcy is a big decision that should not be taken lightly, it can be beneficial for many people who have tried everything to get out of debt, to no avail. It is important one carefully follows any requirements to remain in compliance with the rules of their bankruptcy. This can help a person keep their home and improve their financial outlook.

If you are facing the loss of your home through foreclosure, it is important you act quickly. For more information on your legal options, visit John Hooge Law Office. He will be happy to help you through the process so you can avoid the loss of your home. Call today for your consultation appointment.

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