A Bankruptcy Attorney Can Stop Foreclosure

A Bankruptcy Attorney Can Stop Foreclosure

If you are considering bankruptcy, your first step is to contact a trusted bankruptcy attorney. If you are facing foreclosure, repossession or harassment from debt collectors an experienced bankruptcy attorney can help!

Whether you are considering filing a chapter 13 bankruptcy or filing a chapter 7 your first step is to get professional advice. The bankruptcy laws are there for you to take advantage of. Each chapter offers its own specific protection and relief. An Atlanta bankruptcy attorney can help you to decide which is right for your situation

You Are Not Alone!

Millions of people take advantage of the power of bankruptcy to stop foreclosures, keep their cars, get rid of credit card debt and start off fresh. For example, California had the highest amount of filings in 2011. Over 240,000 people filed for protection that year!

People seek the help of a bankruptcy lawyer for a wide range of reasons. Medical bills, loss of job, divorce and more can change your financial picture in a blink and leave you unable to meet your financial obligations. Bankruptcy can give you the breathing room you need to get back on track with your finances.

The Power of the Automatic Stay

Filing bankruptcy comes with powerful protection in the form of the “Automatic Stay”. As soon as the attorney files for the bankruptcy all action on your creditors must stop. Even if you are in the middle of a foreclosure your lender cannot take another step.

Once a bankruptcy in your name has been filed, creditors are no longer allowed to contact you. They must either go through the court or contact your attorney directly. It gives you the peace to rethink your finances and focus on the future.

A foreclosure attorney Atlanta, can use the bankruptcy laws to save your home! Lenders can be very difficult to work with when it comes to modifications and working out payment plans. A bankruptcy filing forces the lender to work with you via the court.

The Caveats and the Myths
There are some caveats and myths when it comes to bankruptcy. It is a complicated process that is difficult to navigate on your own. There is a high dismissal rate by the courts for those that choose to go “pro se” (file on their own without an attorney). You do need an attorney.

Many people believe that you lose everything when you file for bankruptcy, the fact is the goal of filing bankruptcy is to keep as much as possible while getting out of debt. Another myth is that it takes a full seven years after bankruptcy to be able to build credit again. The fact is a lot of people begin rebuilding their credit while they are in bankruptcy!

Know Your Options

The best way to figure out if bankruptcy is the best solution is to consult with an attorney that specializes in bankruptcy laws. You will be able to get answers to all your questions and make an informed decision!

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Personal injuries and business disputes are complicated. You need an experienced and aggressive lawyer if you want to maximize your recovery. Let us help you!

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Holston & Huntley, LLC, Attorneys & Lawyers Bankruptcy, Atlanta, GA
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