Personal Attention For You And Your Family — Personal Dedication To Your Case
Many Americans spend the better part of their lives working to fulfill the dream of home ownership. For many of us, this is the biggest investment we make in our lifetime. As such, dealing with the foreclosure action being brought against you by your lender can be stressful and embarrassing.
But you have options, and you do not have to do this alone. At Nicolet Law Office, S.C., our foreclosure defense attorneys can help you and your loved ones to prevent foreclosure by filing for personal bankruptcy, reorganizing your debt and working to pay it back.
We will show you how methods of federally protected debt relief can give you and your family the “fresh start” you deserve – without surrendering your home or motor vehicle to an overzealous lender, and your paycheck to aggressive creditors.
How The Bankruptcy Process Can Save Your Home
Filing for bankruptcy can prevent foreclosure due to the automatic stay provisions. Chapter 7 liquidation puts the foreclosure of your home on hold so that you can get out from underneath debt, save money and obtain a possible loan modification to make your mortgage payments more manageable.
In a Chapter 13 restructuring or Chapter 128 bankruptcy, you can repay your overdue balance over a period of time, avoiding penalties and added interest while you maintain your current mortgage payments. Chapter 13 allows you up to five years to pay off your debt and get back on your feet. In Chapter 128, you have three years – however, this option is only available in Wisconsin.
After your case has been resolved, we help with follow-up questions and issues, providing legal advice specific to your financial situation. We are not a revolving-door law firm. We believe in handling each case as it should be handled, giving it the unique respect it deserves while reaching the best possible outcome quickly and smoothly for our clients, so you and your loved ones can have peace of mind.
Our foreclosure defense and bankruptcy services are not limited to primary residences of homeowners; we have helped many property owners avoid foreclosure on their cabins, second homes, rental properties, and other types of property.
Do You Want To Avoid Foreclosure? Talk To A Bankruptcy Attorney For More Information.
Don’t wait until you get notice of the sheriff’s sale or until your lender initiates a foreclosure lawsuit. The sooner we begin talking, the more we can do to help you keep your home. For a free initial consultation with an experienced foreclosure defense attorney, contact us. Call toll free to 800-456-6956 or email our convenient Nicolet Law Office, S.C., locations in Hudson, Eau Claire, and other locations in Wisconsin and eastern Minnesota. We offer flat-fee bankruptcy, payment plans and reasonable fees.