Chapter 13 prior to Mortgage and Property Tax Foreclosure
Chapter 13 stops both mortgage and property tax foreclosures. Then you have up to 5 years to catch up on the property taxes.
Paying Missed Mortgage Forbearance Payments
If you took advantage of the mortgage forbearance payment option under the CARES Act, when do you have to catch up on those missed payments?
Additional Charges and Curing Your Mortgage Arrearage
Resolve disputes with your lender in Chapter 13 about 1) additional fees and charges, and 2) whether you've cured the mortgage arrearage.
Resolve Mortgage Accounting Disagreements
Chapter 13 gives you valuable power to force your mortgage lender to be up front about how much you owe, and to efficiently dispute the amount.
Use Chapter 13 To Delay Your Home Sale
Chapter 13 gives you much more power over your mortgage and other home-related debts so that you can sell your home when it's best for you.
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.
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.
Your Paid-Current Home Mortgage in Chapter 7 and 13
There are scenarios when you are current on your home mortgage and are dealing with other home-related debts where Chapter 7 works well.
The Automatic Stay in Chapter 7 and 13
Filing a Chapter 7 or 13 case both stop creditor collection actions against you just the same. But after that the differences are huge.
Buy Time to Sell Your Home with Chapter 13
If you are behind on your mortgage, and are thinking of selling your home, you can often delay selling for many months or even for years.
A Second Mortgage “Strip” through Chapter 13
If you own a home with a qualifying 2nd or 3rd mortgage, one of the best reasons to file a Chapter 13 case is to "strip" off that mortgage.
Catching up on Property Taxes When You Have a Mortgage
If behind on property taxes on property with a mortgage, that likely puts you in default on the mortgage itself. Chapter 13 can fix this.
Catching up on Your Mortgage on Your Terms
If you've fallen behind on your mortgage, it's very hard to catch up. It may even seem impossible. Chapter 13 makes it possible.
An Example of Surrendering Your Home Later in a Chapter 13 Case
Here's an example of how Chapter 13 can allow you to hold onto your home but then change your mind about it later.