Foreclosure Attorneys in San Diego
Knowledgeable Bankruptcy Lawyers
Even in the midst of the greatest financial troubles, as recession looms like an approaching storm, and salaries decrease or disappear as the economy plunges, there is one thing most Americans usually consider their safe haven – their home. Yet even your house can be stripped away from you if you are falling behind on steep mortgage payments. Despite the fact that many people are suffering from circumstances entirely out of their hands, mortgage companies can use this as an opportunity to foreclose your house. Not only is the thought of you and your family being turned out of your home a terrifying scene, but being forced to foreclose your house can lose so much money in the sale process that you have nothing left to afford another home.
When disaster is pending, you must turn immediately to our foreclosure lawyers in San Diego. At the Debt Relief Legal Clinic, we are determined to support you and your home’s safety. Particularly through filing for bankruptcy, you can halt mortgage creditors in their track. You can rely on our certified bankruptcy lawyers, who are dedicated to helping you save your house.
Call us today at (619) 639-9228 to receive personalized attention as we plan how to rescue your house from foreclosure.
Filing for Bankruptcy Puts an Immediate Stop to Foreclosure
One of the best ways to immediately bring foreclosure to a screeching halt is by applying for bankruptcy. This choice is especially advised if your sale of foreclosure is supposed to be scheduled within the next few days, on account of your ability to get an automatic stay.
The benefit of an automatic stay is that it instantly stops foreclosure the moment you apply for bankruptcy.
It does not matter that a judge has not yet confirmed a status of success for your application since the automatic stay must go into effect immediately. This stay prevents mortgage companies from trying to foreclose your home, or even from continuously harassing you to pay back your debt. While you are in the state of having an automatic stay, you use those several months to begin coming up with plans for rearranging your mortgage payments and paying them back.
How Chapter 13 Bankruptcy Can Save Your Home
During your automatic stay, you can figure out ways to preserve your house using Chapter 13 bankruptcy, which is one of the most helpful methods of restructuring mortgage debts.
Some of the benefits of using Chapter 13 include:
- Repaying debts over an extended period of time of three to five years, rather than immediately, which will help you avoid scenarios where you suddenly have nothing in the bank
- Paying smaller amounts each month, which will allow you to be more organized in keeping track of your payments, and ensure there are always funds left over for other crucial expenses
- Having to only pay a portion of your unsecured debts (which sometimes become completely discharged anyways)
- Potentially not needing to pay for second or third mortgages, which are considered to be examples of unsecured debts
How Our Foreclosure Defense Attorney Can Help You
You do not want to defend against the foreclosure process alone, as the process can be complex and confusing. When your home is at stake, you want to make sure that you have an experienced San Diego foreclosure lawyer who can help you navigate the process.
A foreclosure attorney can help you by:
- Explaining the options available to help save your home
- Assisting with the bankruptcy process, loan modification, and other options you are pursuing
- Representing you during mediation and hearings to help ensure you can reach a fair solution
- Protecting your rights by ensuring the lender does not treat you unfairly
The bottom line is an attorney understands the laws and the various effective foreclosure defense strategies available to homeowners. Don't hesitate to contact a San Diego foreclosure attorney as soon as possible so you can get started on protecting your home.
Do Not Hesitate in Fighting Foreclosure
Fighting foreclosure through Chapter 13 bankruptcy is an excellent option with multiple benefits, but the longer you delay in starting your application, the more complicated the process will be. You should immediately contact our foreclosure attorneys in San Diego the moment it seems you are in danger of foreclosure.
Contact us now at (619) 639-9228 so that Debt Relief Legal Clinic can help you rescue your home from foreclosure as soon as possible. Request a free case consultation today to discuss your situation with us.
Why Hire Our Firm?We Help You Find Relief from Debt
Certified Bankruptcy Specialist
Attorney John C. Colwell has been recognized by the State Bar of California as one of 12 certified legal specialists in San Diego County for Bankruptcy Law.
Our attorney has over 35 years of experience and has dedicated the firm to consumer bankruptcy.
Our legal team is bilingual and serve our clients in English and Spanish.
President of NACBA
John C. Colwell has been a member of NACBA for 25 years and is currently the president.
We are a family-oriented business, committed to helping you get relief from debt.
We offer free consultations and take online payments for your convenience.
Hear from Our Happy ClientsRead Our 5 Star Reviews
John and his team DELIVERED!- Matthew B.
I can't say enough about how wonderful the staff and the attorneys are to work with through the process.- Laura M.
I wish I could give him more than 5 stars.- Terry D.
John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services.- Allie F.
Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom meeting during covid-19 pandemic to answer my additional questions prior to discharge!- Lori Kalman Adkins