Bankruptcy gives you protection from your HOA. Chapter 7 may be enough, but Chapter 13 buys much more time....
Prevent Future Judgment Liens
Bankruptcy can prevent future judgment liens. It usually stops a lawsuit from turning into a judgment, and then a judgment lien on your home....
Bankruptcy Can Remove a Judgment Lien
Bankruptcy can, in the right circumstances, remove a judgment lien from the title to your home. Here are the conditions for pulling this off....
Stripping a Junior Mortgage in Bankruptcy
In determining your ability to strip off a junior mortgage, you must look at the superior liens, the amounts owing on those debts, and the value of your house....
Chapter 13 Gives the Most Time to Cure Your Mortgage
Chapter 7 provides no mechanism to cure your mortgage. But Chapter 13 does provide a powerful, realistic, and practical way to do so....
Bankruptcy Helps You Afford Your Mortgage
Bankruptcy frees up cash flow so you can afford your mortgage payments. Chapter 7 does so by writing off other debts. Chapter 13 does so more creatively....
Protecting Excess Home Equity in Chapter 13
Chapter 13 can be an advantageous way to protect excess home equity that is above your homestead exemption....
More Bankruptcy Benefits for Your Home
Other bankruptcy benefits for your home include protection against other liens—from judgments, income taxes, and homeowner associations....
Bankruptcy’s Many Benefits for Your Home
Bankruptcy can save and protect your home in many different ways. One of these may be just what you need. Or you may use them in combination....
Gaining Power Over Your Home Mortgage
See these bullet points on dealing with your home lender under Chapter 7 and under Chapter 13....