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Foreclosures CT

If you are behind on your Connecticut mortgage payments to the point that banks or lenders are threatening foreclosure, it may be time to consider filing for bankruptcy. If you have missed one or two payments there are options for catching up without having to file a Chapter 7 or Chapter 13 bankruptcy, but if you are months behind on your mortgage and have no realistic means of making payments then it is time to give serious thought to filing bankruptcy to keep from losing your home.

End All Collection Activities

When you legally file for bankruptcy you get a court-issued "automatic stay", which puts an immediate end to all collection activities including a foreclosure sale that your lender may have scheduled for your home. When dealing with debt the last thing you want to think about is losing the roof over your head. Banks and lenders tend to be unsympathetic when it comes to foreclosures and won't be inclined to hear your excuses so the best option you have when a CT foreclosure is on the horizon is to file either a Ch. 7 or Ch. 13 bankruptcy.

Ch. 13 and Ch. 7 Bankruptcy

A Chapter 13 bankruptcy filing often allows you to retain your assets, including your home, and make incremental payments on your debt. A chapter 7 bankruptcy allows you to liquidate most of your debt so you can use the money you save to start making regular payments on your mortgage to save your home. Many homeowners who aren't aware of their rights panic when a foreclosure begins and instead of fighting back through a bankruptcy filing give in to pressure and sell their homes quickly for whatever they can get. In such cases the homeowner often gets much less than what the property is really worth. If you are faced with a possible foreclosure in Connecticut contact an experienced bankruptcy attorney first so you get all the facts and information to make a sound decision regarding the future of your home.

Bankruptcy attorney Chris Carrozzella has over 20 years experience helping Connecticut residents save their homes by successfully filing Ch. 7 and Ch. 13 bankruptcies. By thoroughly explaining the options available to someone facing foreclosure, Carrozzella is able to help guide a person in debt so they can make informed decisions that will allow them to manage their debt and keep their homes.

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