Trying to save a home from foreclosure is the most common reason people come to the Concord law office of Michael Racine. Chapter 13 personal bankruptcy is designed to allow people to stop home foreclosure, and to set up a repayment schedule that can help you catch up on your mortgage payments.
Our experienced bankruptcy attorneys can help you get started with a court-supervised debt repayment plan to save your home. To schedule an initial consumer bankruptcy consultation, contact us today.
Notice that I said "court-supervised" plan. This is an important distinction. Many New Hampshire homeowners facing a financial crisis have turned to foreclosure "rescue companies" they see online, in the newspaper, or by direct mail. Many of these companies are scam artists. They promise to save your home, but they may not follow through. Often, they end up owning the home they were going to "save."
At Racine Law Office, PLLC, I help our clients get their lives back on track. Contact our Concord law office to learn more about how a Chapter 13 debt reorganization and repayment plan could work for you.
Chapter 13 is the consumer bankruptcy plan for people who would be able to repay some or all of their debts if they were relieved from excessive interest rates and penalties. If you do not have the ability to repay your debt, even at a reduced amount, Chapter 7 bankruptcy may be a better option for you, if you qualify.