If you are behind in your mortgage, you need to speak to an experienced bankruptcy attorney now. Do not wait until the last minute. Do not listen to friends who tell you not to file bankruptcy, and don’t listen to a mortgage assistance company or the mortgage company who is foreclosing.

Call an experienced bankruptcy attorney in your area before things get worse! A good attorney will tell you if she thinks that bankruptcy will help, or if there is a better option that she can suggest.

This is the plea of a very tired bankruptcy attorney at the end of a long week, who just met with yet another client at the 11th hour at the end of the foreclosure process. Had this client come to me when the foreclosure started, I might have been able to solve the problem without too much trouble. Chapter 13 would have provided a simple and affordable solution.

There are a few things that I know of that might have avoided bankruptcy altogether. Instead, I am trying to fix a problem that is months in the making and is much worse than it needed to be. I may be able to help, but it may be too late and this family may lose their home. This is not the only client that came to me this week seeking help in bankruptcy as a last resort.

If you are facing foreclosure please read the following:

Why hire a lawyer? Meeting with a bankruptcy attorney does not mean you are going to file for bankruptcy. It means you are going to get legal advice from an attorney who may, or may not, recommend bankruptcy. If they recommend bankruptcy and you don’t want to file you can say no. However, you need to know the true facts about bankruptcy when you make your decision.

If your friend tells you not to filing bankruptcy, see a bankruptcy lawyer anyway! Unless your friend is both a lawyer, and a lawyer with lots of bankruptcy experience, please don’t listen to what your friend says. People just don’t know the facts about bankruptcy.

Mortgage companies are not working for you just because they are discussing settlement. They are not your friends. You owe them money. Just because you are talking to them doesn’t mean that they are not going full steam ahead in plans to take your house.

The longer you wait to meet with a bankruptcy attorney, the harder it may be to fix, and you don’t want to wait until it is too late. You don’t have to file for bankruptcy just because you look into it, but I really want to stop telling people I could have helped them “if only you had come in sooner.“

Popularity: 65% [?]