Keegan & Co Attorneys, LLC ; Your Clermont County / Eastgate Cincinnati Bankruptcy Attorneys.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy is usually filed to stop a Foreclosure and Sheriff’s sale of a client’s property. With a Chapter 13 case, our attorneys can force your bank to allow you to catch up your mortgage arrearage over a number of years. This is done by order of the court and the bank cannot refuse to accept these catch up payments. We can stop a foreclosure right up until the morning of the Sheriff’s sale.
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy provides our clients with a fresh start. A Chapter 7 Bankruptcy will wipe out all debts except child-support, student loans and some tax debt. Depending on the circumstances, a lot of tax debt may be discharged. Secured debt such as debt on houses and cars can be discharged as well, although the creditor will eventually receive it’s collateral back in complete satisfaction of the debt. Credit card debt, medical bills, unsecured loans, etc. are all wiped out. Every individual’s facts and circumstances are different, but we will analyze your situation with a free consultation and advise you accordingly.[/expand]
Stopping Creditor Harassment
Stopping Wage Garnishments
Stopping Mortgage Foreclosures
Stopping mortgage foreclosures is one of the most powerful aspects of the bankruptcy code. Chapter 13 is a solution for you if you would like to keep your house and you can afford to catch up back payments over several years while keeping your normal payments current.
Your mortgage company does not have to agree. The court orders that your mortgage company accept arrearage payments over time. If you stay current with your payments going forward and make your Chapter 13 plan payments, the bank must stop the foreclosure permanently.
In a Chapter 13 our attorneys can free up enough money for you to both stay current and cure your mortgage arrearage. This is because your unsecured creditors are paid back at no interest and at a lesser percentage of what is owed.
If you cannot afford, or do not want to keep your house, a Chapter 7 Bankruptcy will stop a foreclosure. In this case, you will get an extended period to seek other housing and get your financial life in order. Our clients usually have many months before being forced out of their home.
Keegan & Co Attorneys can stop a foreclosure right up to the morning of the sheriff’s sale. If you are facing foreclosure don’t delay. Call our office today to schedule your free consultation. For our Eastgate location call 513-752-3900 or for the Middletown location call 513-422-2994. We are here to help you!
Stopping Bank Accounts Seizures
Stopping a creditor from seizing your bank account can be accomplished through a bankruptcy filing. A bankruptcy filing results in a court ordered “automatic stay.” This automatic stay stops all collection efforts against you of any kind whatsoever. Moreover, the automatic stay stops foreclosure, garnishment, collection calls, auto repossessions, bank account seizures and any collection action against you whatsoever.
If credit issues are spiraling out-of-control for you, a bankruptcy filing will stop everything in its tracks. Once all seizures and collections are stopped, we will have time to continue to work with you on reorganizing and/or discharging your debt. Additionally, we will use pre-bankruptcy planning strategies for you and apply state and federal exemption laws to allow you to keep most, if not all, of your property.
Stopping Automobile Repossession and Lease Returns
Fair debt collections practices act representation
Call us today at (513) 752-3900 for a Free Consultation.