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What Are Mortgage and Secured Debt? Integrity & Commitment To Client Service

What Are Mortgage and Secured Debt?

Roseville Mortgage Attorneys

What happens to a mortgage in bankruptcy? What about other property bought with loans secured by the property? You may be able to keep the property under certain conditions. Talk to a bankruptcy lawyer at Cecil Cianci Law, PC, in Roseville, California, to discuss your options.

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

How Can I Keep Property Secured by a Loan?

Be aware that you do not have the legal right to keep an item that acts as security for a loan. The person or institution that gave you the loan has a lien on the property until the loan is satisfied. In other words, the lienholder has the right to take the property back. However, bankruptcy can give you the option to keep your secured items even if you are behind in payments.

Talk to an attorney about reaffirming the debt.

If you want to keep your mortgage in bankruptcy, you may be able to renegotiate the terms of the mortgage or arrange to pay the arrearages over time. Other secured debt may also be reaffirmed. If you have a jet-ski, a car, or jewelry that you bought over time with a secured loan, an experienced lawyer may be able to negotiate a reaffirmation agreement that may change the terms of the original agreement.

We can arrange the surrender of secured property.

If you decide that you do not want or cannot afford secured property, discuss your options with your attorney. Our law firm can arrange the surrender of items to the lienholder without the embarrassment of repossession.

In a bankruptcy, a mortgage and other secured debt may be reaffirmed or surrendered. Understand your options.

Your first consultation with a Roseville mortgage or secured debt attorney here at Cecil Cianci Law, PC, is free! Our lawyers will work with you to understand your circumstances and help you navigate your case. 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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