Expert Foreclosure Defense in Pennsylvania

Halting Foreclosure Proceedings:

Filing for Chapter 7 or Chapter 13 bankruptcy triggers an automatic stay, halting all creditor collection activities and foreclosure proceedings. This temporary relief offers the opportunity to devise a long-term solution to address debt and foreclosure concerns.

Foreclosure Prevention With Chapter 7:

While Chapter 7 offers swift debt relief, it provides limited options for preventing foreclosure. Delinquent mortgage payments remain non-dischargeable, but the automatic stay allows time to negotiate with lenders and formulate plans to become current on payments.

Effective Foreclosure Prevention With Chapter 13:

Chapter 13 focuses on reorganizing and repaying debts, making it more effective in preventing foreclosure. Attorney Cook assists in creating repayment plans that include catching up on late mortgage payments, ensuring accuracy, and protecting your rights.

Non-Bankruptcy Foreclosure Defense:

Attorney Cook offers litigation assistance to pursue relief for cases involving lender errors, misrepresentation, or fraud. Negotiating mortgage modifications, forbearance agreements, or exploring short sale options are additional strategies to avoid foreclosure.