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Chapter 13 & Foreclosure Bankruptcy Integrity & Commitment To Client Service

Roseville Chapter 13 & Foreclosure Bankruptcy Attorneys

How Chapter 13 Bankruptcy Affects Foreclosures

Filing for Chapter 13 bankruptcy does not mean you will lose your home. One reason many homeowners select Chapter 13 is so that they can save their homes or other vital assets. Call the lawyers at Cecil Cianci Law, PC, in Roseville, California, and talk to an experienced bankruptcy lawyer.

Call (916) 675-3866 for a free consultation with a foreclosure attorney.

Even if your home mortgage is in the foreclosure process, filing for Chapter 13 bankruptcy can halt foreclosure and give you time to decide whether you can keep your home.

If you want to save your home, talk to an attorney about your options.

How Does Chapter 13 Bankruptcy Affect My Property?

As soon as you file for Chapter 13 bankruptcy, you will have automatic stay protection. This means that no matter where you are in the foreclosure process, all actions will stop while you and your lawyer sort out the details of your bankruptcy. Even if your home is about to be sold, the sale will be stopped.

You may be able to negotiate more favorable terms with the lender.

Banks and mortgage companies would rather not own your property — especially in today's real estate market. Cecil Cianci Law, PC, can help you negotiate terms that would make it possible to keep your home. You may be able to arrange a payment plan for your mortgage arrears and make it part of your debt reorganization plan. You could also negotiate with the bank for more favorable terms on your mortgage. Make sure your lawyer reviews any documents before you sign them.

In a Chapter 13 bankruptcy, you may also have the option of lien stripping. If your first mortgage is the same or more than your home's value, the second mortgage is unsecured debt and can be stripped from your mortgage. This can happen in a market where home values are declining.

Our attorneys listen, advise, and help you decide what works for you.

Contact us online or give us a call at (916) 675-3866 to receive a free consultation! Our Roseville bankruptcy lawyers can help you navigate the bankruptcy process and develop a personalized legal strategy. We have the tools to help you get a fresh start.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Client Success Stories

  • Jaime B.

    Sensitive to needs with my children, my time and my dollars

  • Lauren S.

    Helped me feel safe, important and always had my back

  • Jamey S.

    I've never met an attorney I felt I could trust like Melissa

  • Krishna V.

    Takes time to discuss the case and answers all my questions patiently and calmly

  • Stacy O.

    She will ensure that you're taken care of

  • Ryann D.

    Has your best interest at heart and cares

  • Alyssa R.

    A seamless process thanks to Melissa and the team of attorneys and support staff

  • Dana A.

    Extremely knowledgeable, organized and professional!

  • Amber B.

    A truly personal and professional attorney

  • Scott R.

    Could not be happier with the help they offered me through a tough time

  • Eric R.

    I felt cared for and protected

  • Tami M.

    Made both sides feel extremely comfortable with the agreement and outcome

  • Gary B.

    Does her "homework" to best represent her client

What Makes Us Different? 

  • Big Firm Experience, Small Firm Approach
  • Unique Approach & Personalized Strategy For Every Case
  • Helping You Maintain Your Way of Life After Divorce
  • Educate Our Clients So They Can Make Informed Decisions
  • Transparent Representation Based on Honesty & Integrity
  • Nearly Five Decades of Combined Experience

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