Foreclosure Defense in New York
How Filing for Bankruptcy Can Save Your Home
Your home is your sanctuary, your investment in the future, and a place where you should be able to spend your golden years. But in today's economy, the reality of owning or maintaining the payments on a home can be overwhelming, and many people find themselves struggling to repay debts or even make full payments on time.
If you are one of the thousands of Americans struggling to stay afloat and pay your mortgage, you may be at risk of foreclosure. Declaring a Chapter 7 or Chapter 13 bankruptcy or pursuing a loan modification can be viable options to help you keep your home in New York.
If you're at risk of losing your home to foreclosure, contact me, Natasha Meruelo, Attorney at Law, to learn your options and rights in New York.
Filing for bankruptcy in Westchester County can help stop foreclosure by:
- Placing an automatic stay - The automatic stay is usually in place throughout the duration of your bankruptcy and if you are participating in a court-ordered loss mitigation program, no foreclosure against your home may continue. Collectors and collection attempts must halt and you have an opportunity to explore your home retention options.
- Restructuring the arrearage with Chapter 13 - While Chapter 7 will temporarily stop foreclosure, Chapter 13 is the best way to permanently save your home. You can pay off your past due mortgage payments with your Chapter 13 plan.
While it is best to file for bankruptcy before your home is in foreclosure, you can still file right up until the day of sale to potentially save your home. If you have concerns over losing your home, you should contact my firm as soon as possible to discuss your foreclosure defense options.
When you work with my firm, I will take the time to get to know you and your situation and develop a personalized resolution for your foreclosure case. I understand that this time in your life can be confusing and frustrating, but with the guidance of a knowledgeable foreclosure defense lawyer, you may be able to resolve your debt efficiently and effectively.
Are you ready to take action and protect your home from foreclosure or bank seizure? Now is the time to act! Contact me in White Plains, NY to arrange an appointment with a trusted foreclosure defense professional.
I offer free initial case reviews to all clients because learning and understanding your rights should not cost you.
* This is Attorney Advertising. Natasha Meruelo, Esq., designated as a Federal Debt Relief Agent by an Act of Congress and the President of the United States, proudly assists consumers seeking relief under the US Bankruptcy Code. Prior results do not guarantee a similar outcome; see attached- 342b and 527a/b.
“Natasha Meruelo is professional, knowledgable and a solid attorney. She made sure I was well informed, prepared, and empowered throughout the court process. Having her support was invaluable. I am so grateful I followed my intuition and chose her to represent me. I highly recommend her!”
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