Stop Foreclosure in Georgia
Chapter 13 stops the foreclosure of your home. If you have received a letter from a foreclosure attorney, you need to call me as soon as you can. Getting your bankruptcy petition prepared takes a significant amount of time. Don’t wait until the last second to meet with a bankruptcy attorney. We don’t need the permission of your mortgage company or the foreclosure attorney. The bankruptcy automatic stay stops the foreclosure of your home. You must get a bankruptcy case number before the foreclosure takes place. Don’t wait until it is too late!
A few months ago, I was meeting with a bankruptcy client from Dallas GA who was shocked that his house was foreclosed without him knowing about it. The reason this happened was because his wife was trying to “protect” him from the stress by hiding the letters from the mortgage company and the foreclosure attorney. For some strange reason, she did not take the letters seriously. It is too bad she did not take advantage of a free consultation with a bankruptcy attorney. If you have received threatening letters from a foreclosure attorney, bring them to my office and I will be happy to explain them to you.
In Georgia, the foreclosure process usually starts with a letter from your mortgage company accelerating the debt. The letter will state that you must pay the full balance on the note or the foreclosure process will begin. Then, the mortgage company will start refusing payment from you. Under Georgia law, the foreclosure attorney must advertise your house in the legal organ of your county for four consecutive weeks before the foreclosure date. In Georgia, the foreclosure date is usually on the first Tuesday of the month. If you would like to check online to see if your house is being advertised for foreclosure, you can go to www.georgiapublicnotice.com. The best way to check is to get the actual newspaper. Most likely, the foreclosure attorney will send you a letter by certified mail telling the date of the foreclosure about four weeks before it will take place.
You don’t have to let your house get foreclosed. Call me today at 888-832-8249 for your free consultation.
If you have had a Chapter 13 bankruptcy dismissed within the past year, I must file a motion to extend stay to protect your house. If you have had two Chapter 13 bankruptcy cases dismissed within the past year, I am not going to take your case because a motion to impose the stay must be filed and heard by the court before the foreclosure date.
