Ending Home Foreclosure

Helping People in Southern California Stop Foreclosure Since 1970

Defaulting on a mortgage may lead to creditor harassment and, eventually, home foreclosure and repossession. Although it is difficult to get your home back once the lender has foreclosed, you can avoid foreclosure by filing bankruptcy. At the Law Offices Of Hagen & Hagen, we assist people who cannot make house payments stop foreclosure and help them stay in their homes.

When a debtor defaults on mortgage payments, a creditor may send out a notice of default. This document usually contains a threat of foreclosure if the debtor does not pay the mortgage payments by a specified time. The sooner you contact an attorney after you receive a notice of default, the better your chances of avoiding or stopping foreclosure. Contact certified bankruptcy lawyer Jeffrey Hagen today.

Foreclosure and Chapter 13 Bankruptcy

If you have fallen substantially behind on your mortgage payments but generate enough income to make mortgage payments on a going forward basis, Chapter 13 bankruptcy may be a good option for you. Under Chapter 13 bankruptcy, the debtor reorganizes his or her debts to lower monthly payments. The debtor establishes a payment plan with the lenders, allowing him or her to remain in the house and avoid repossession.

Foreclosure and Chapter 7 Bankruptcy

People filing Chapter 7 Bankruptcy will only lose their home to a bankruptcy trustee if it has substantial equity, and will only lose their home to their mortgage company if they fall behind on their mortgage payments.

At the Law Offices Of Hagen & Hagen, attorney Jeffrey Hagen will sit down with you to review your financial situation and present you your options for how to stop foreclosure. If bankruptcy is necessary, he will help you decide which chapter of bankruptcy best fits your financial needs.

If you would like more information regarding bankruptcy and home foreclosure, contact the Law Offices Of Hagen & Hagen to arrange an initial consultation. For immediate information, please see our Bankruptcy FAQs.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.