Roseville Foreclosure Attorneys
Getting to Know Foreclosure
Can you stop a foreclosure on your home? Understanding how the foreclosure process works can be difficult. To get a run-down of all your options, talk to a bankruptcy and foreclosure lawyer at Cecil Cianci Law, PC Law in Roseville, California.
Contact us at (916) 675-3866 for a free bankruptcy consultation with an attorney.
When you have worked hard to buy your home, the thought of foreclosure can be devastating. What can you do to stop foreclosure and save your home? Or, given the circumstances you're in, should you decide to let the house go? Don't make a decision until you have consulted with an attorney who can explain all your options and the tax implications of whatever you decide.
Should I File for Bankruptcy?
By filing for Chapter 13 bankruptcy, the foreclosure action will stop while you sort through your options. Filing for a Chapter 13 bankruptcy can give you valuable breathing room while the foreclosure is paused, allowing you to determine whether or not you want to try and keep your home. Ask a lawyer about Chapter 13 bankruptcy and foreclosure.
Is Short Selling My House a Good Decision?
Sometimes, homeowners who owe more in mortgage than their home is worth (also known as being 'underwater') may choose to short sell their home, avoiding the stain of foreclosure on their credit record in exchange for a lower selling price on their home. Ask your lawyer about a short sale or deed in lieu of foreclosure. An attorney can help you understand if one of these options would be of use to you, given your circumstances.
Should you deal directly with the bank or mortgage company?
To stop foreclosure, you may be able to renegotiate your mortgage and/or arrange for a loan to pay back the arrearages. Before you sign anything, however, make sure you have an attorney review the contract to be sure it is in your best interests.
Know all of your options before you make a decision. Contact an attorney.
At Cecil Cianci Law, PC, our foreclosure attorneys can help you develop a comprehensive legal strategy for your specific circumstances to help you navigate your situation. To receive a free consultation from our team, contact us online or give us a call at (916) 675-3866.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.