Foreclosure Defense

Topeka Foreclosure Defense Attorney

Get Help from a Seasoned Foreclosure Defense Attorney in Kansas

While a foreclosure can seem daunting, you still retain the ability to fight it and maintain your house. If you are behind on your mortgage payments, bankruptcy may be a means of keeping your home from being foreclosed on by initiating an automatic stay.

When you fall behind on your payments, speak with our Topeka bankruptcy attorney to learn about your options for fighting foreclosure.

How Our Topeka Foreclosure Defense Attorney Can Help 

Garrett Law LLC has been helping Kansas families stay in their homes and get out from under their crushing debt for more than a decade.

We practice bankruptcy law exclusively because we understand how important sound finances are and what can happen when a family becomes trapped in paying off extreme debt.

Garrett Law LLC offers personalized solutions to financial problems and experienced legal advice to those suffering from unwieldy and unmanageable debt.

Get in touch with an experienced foreclosure attorney in Topeka by calling (888) 253-4526 or completing our online form.

Understanding Your Foreclosure Options

Facing foreclosure can be overwhelming, but it's important to know that you have options. Our experienced Topeka foreclosure defense attorney can help you understand your rights and explore potential solutions to stop foreclosure and protect your home.

Some potential options to consider include:

  • Loan modification: Discussing with your financial institution to change the conditions of your loan, like reducing the interest percentage or lengthening the repayment timeline.
  • Short sale: Marketing your property at a price lower than the outstanding mortgage balance, with the consent of the lender, as a strategy to prevent foreclosure.
  • Forbearance: Temporarily pausing or reducing mortgage payments due to financial hardship, with the agreement to catch up on payments later.
  • Bankruptcy: Exploring the option of filing for bankruptcy to stop foreclosure and restructure debt.

Our empathetic lawyers at Garrett Law LLC are committed to guiding you through the foreclosure procedure and identifying the most suitable solution for your circumstances. We encourage you to contact us for a discussion about your potential courses of action and to take assertive measures to safeguard your residence.

How to Stop Foreclosure in Kansas

There is hope of avoiding foreclosure or even stopping the process before your house makes it to a Sherriff’s Sale. Filing bankruptcy can give you the power to save your home if you have fallen behind in making payments on your home mortgage.

By filing for bankruptcy you have an automatic stay that goes into effect, this stops or may halt pending Sheriffs Sales and can also stop foreclosure processes. It is important to consult with a foreclosure lawyer in Topeka to find the best options for you.

A Chapter 13 bankruptcy can benefit you by:

  • Allowing you to make up mortgage arrears through a plan, usually 3 to 5 years
  • Removing second mortgages in some circumstances
  • Granting you an automatic stay preventing foreclosure and all collection action

Chapter 13 bankruptcy is essentially a mortgage repayment plan which allows you up to five years to pay backed mortgage payments by means of an established bill-consolidation plan.

What Steps Do I Take to Stop Foreclosure in Kansas?

Your first step should be to meet with our Topeka bankruptcy lawyer to determine if your particular foreclosure situation could be helped by filing for Chapter 7 or Chapter 13 bankruptcy. If so, we can file bankruptcy to put a stop on the sale of your home and protect your assets from creditors.

If you find yourself hopelessly behind in your mortgage payments, a foreclosure may be imminent. While bankruptcy can stall the foreclosure process so you can repay debt, you will need to restructure your finances considerably to make sure the bank cannot foreclosure on your home.

Speak with Garrett Law LLC for advice from an experienced bankruptcy attorney to protect your home!

Begin the process of fighting foreclosure by starting out with a free case evaluation with our firm! Call us at (888) 253-4526 today.

Commonly Asked Questions

What can I do if I am behind on my mortgage payments?

If you are overdue on payment of your mortgage, applying for bankruptcy could protect your home from being seized thanks to the activation of an automatic stay. It is recommended to schedule a meeting with a bankruptcy attorney to go over your options for avoiding foreclosure.

How can I protect my home from foreclosure with the help of an experienced bankruptcy attorney?

If you find yourself hopelessly behind in your mortgage payments, speak with an experienced bankruptcy attorney to protect your home. Bankruptcy can stall the foreclosure process, allowing you to restructure your finances to ensure the bank cannot foreclose on your home.

Contact Garrett Law LLC Today!

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