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Roseville Short Sale Attorneys

Should You Short Sell Your Home?

As you and your bankruptcy lawyer evaluate your options in a Chapter 13 bankruptcy, you may decide you are better off without your house. How can you avoid foreclosure? Talk to a bankruptcy attorney at Cecil Cianci Law, PC, in Roseville, California, about a short sale or a deed in lieu of foreclosure.

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

Sometimes, even after examining the numbers every way possible, the end result stays the same: You cannot afford to keep your home even with the help of Chapter 13 bankruptcy. If your income is drastically reduced or if your mortgage is one debt too many in a Chapter 13 reorganization, what are your options?

Can I Avoid Having a Foreclosure Show Up on My Credit Report?

If you short sell your home, you can avoid foreclosing on it altogether. However, there are several factors you should consider. For example, can you find a buyer ready to buy your home, but for less than you owe on your mortgage?

In situations where both you and the bank are aware that your home may be worth less than when you bought it, you may be able to short sell your house. If the bank approves of the short sale (and you must have their approval), you may be able to avoid foreclosure and simultaneously disentangle yourself from your mortgage obligations.

You may also consider a deed in lieu of foreclosure. That means you can give up all claim to the house and hand the deed to the mortgage holder. The bank may not want the property, but it may be the best option for both you and the bank.

Whatever you decide to do, do not make a final decision or sign papers for a short sale or a deed in lieu of foreclosure until you have reviewed your decision and all documents with an experienced bankruptcy attorney.

Know your options and the implications. Contact a lawyer.

Contact our Roseville short sale attorneys at Cecil Cianci Law, PC, for a free consultation. We can help you determine whether or not a short sale or a deed in lieu of foreclosure is the right decision for you. To arrange a consultation, 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.

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