Facing Foreclosure? Explore Your Options

-Serving Wilmington and Southeastern North Carolina for over 25 years.

-Our office has filed over 1000 bankruptcy cases.

Received a foreclosure notice or a Notice of Appointment of Substitute Trustee? Contact Chris promptly and provide every notice, hearing date, and sale date.

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Chapter 13 may offer an eligible homeowner time to address mortgage arrears through a court-approved plan. Ongoing mortgage payments and other obligations generally must also be met.

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Options depend on how far the foreclosure has progressed and your individual circumstances. Keeping your home is not guaranteed.

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​Sending a message does not stop a deadline. Call 910-202-3110 if time is short.

How Bankruptcy May Help With Foreclosure

Filing bankruptcy generally creates an automatic stay that pauses most collection activity, including foreclosure. Exceptions apply. Prior filings can limit or prevent the stay, and a creditor may ask the court for permission to proceed.

For an eligible homeowner, Chapter 13 may provide a way to address mortgage arrears through a court-approved repayment plan while making required ongoing payments.

Chris reviews your notices, income, mortgage obligations, other debts, and prior filings to explain your options. Any remaining mortgage liability or tax consequences require an individual review.

Call today: (910) 202-3110