Stop Foreclosure Attorney in Atlanta, Georgia
In Georgia, banks foreclose on homes on the first Tuesday of every month, and you can file Chapter 7 and Chapter 13 bankruptcy to stop a foreclosure in Georgia. You may wonder how to stop a foreclosure with bankruptcy. When a debtor files a Chapter 7 or Chapter 13 bankruptcy case, a bankruptcy “stay” is issued by the bankruptcy court. That simply means that all creditors are stopped, via a court order, from taking any collections actions against a debtor in bankruptcy. If your mortgage company has scheduled foreclosure on your property in Georgia, you can file bankruptcy to initiate the stay and stop the foreclosure.
Under Georgia law, the mortgage company must send certified notice of the foreclosure date and then advertise the foreclosure sale in a legal newspaper for four weeks before foreclosing on your property.
When you file bankruptcy, your Atlanta, Georgia bankruptcy attorney will notify the attorney for the mortgage company that you have filed bankruptcy to stop the foreclosure on your home. The mortgage company will cancel the sale. If you are under the threat of foreclosure and wish to file bankruptcy to stop the foreclosure, you should contact our attorneys as soon as possible in order to ensure that the mortgage company has sufficient notice to stop the foreclosure on a timely basis after you file bankruptcy.
After your foreclosure is stopped, you have the option of catching up on past due payments on your mortgage in order to keep your home in a Chapter 7. In a Chapter 13, you can consolidate past due payments on your mortgage and other debts into monthly payments and keep you home. You will still have the option of seeking a modification of your loan with the mortgage company. When consulting with Law Offices of Charles Clapp to stop a foreclosure, you should bring documents such as the foreclosure letter from the mortgage company, your most recent tax return, and your current income information. If you have any further questions about stopping foreclosure in Georgia, please call Law Offices of Charles Clapp at (404) 585-0040 for a free consultation with any attorney.
Charles is absolutely a brilliant attorney! He is a critical thinker and determined problem solver. He is very accessible, even via text. If he is in court, his ability to multi-task, you can feel safe and secure in knowing he is handling any issues or concerns. I entrust him with my future, he is a uniquely talented attorney who always challenges himself to achieve the absolute best outcome for his clients.
I was very satisfied with Mr. Clapp services. He is a man of his word and did everything he told me he would. I would highly recommend him.
I came to Mr. Clapp by referral with a complicated case involving both personal and business debts that were out of control. Mr. Clapp evaluated the situation and gave me options that I was not even aware of. He knows his stuff, executed flawlessly, and I have been able to start over. I highly recommend Charles Clapp if you have debt or bankruptcy issues. Listen to his advice, he knows his stuff. I consulted with several other bankruptcy attorneys prior to retaining Mr. Clapp, and they did not have the same breadth of knowledge that Mr. Clapp brought to my case.
I selected Charles Clapp to handle my bankruptcy based on his already positive reviews and I am glad that I did! He was very accommodating to my schedule and made my negative life experience positive. I was actually very surprised how easy he made the process. Life happens and it’s great to be represented by someone that understand that!!! Stop your attorney search with Charles Clapp!!!