Yuma Foreclosure Defense Lawyer
Stop Foreclosure & Keep Your House
Have you received threats of home foreclosure? Have you been sent a foreclosure letter that has a trustee sale date on it? These are serious threats that should be taken as such because your home is in jeopardy. You have to act now in order to stop foreclosure.
At the Law Office of Phil Hineman, P.C., we are dedicated to helping you keep your house. With more than 30 years of experience on our side, we know that bankruptcy is one of the most common debt relief options and is often the most effective in fighting foreclosure. We use our considerable experience, born from having handled more than 10,000 bankruptcy filings, to protect your home.
How Does Bankruptcy Stop Foreclosure?
As soon as you file for bankruptcy, an automatic stay goes into place. This sends your creditors the message that they must stop all actions to collect on your debts, including ending harassing phone calls and putting a stop to foreclosure proceedings. Both Chapter 13 and Chapter 7 filings can stop foreclosure.
Of course, our Yuma foreclosure defense lawyer understands that you do not simply want to prevent this action against your home. You also want to make certain that you will be able to keep your house well into the future. As long as your payments are current, or if you are able to catch up by the time of your filing, you have a very good chance of keeping your house out of foreclosure.
Chapter 13 & Foreclosure
Chapter 13 bankruptcy opens the door to an additional legal option that can help you catch up on your payments. This option is the second mortgage scrape-off. If your home is currently worth less than the amount of the first mortgage, you may be able to eliminate a second mortgage, if you have one. This may eliminate the weight of an additional financial burden and help you get out of debt sooner.
Foreclosure Is a Time-Sensitive Matter
All too often, people “put off” filing bankruptcy. This is understandable as filing bankruptcy is a major decision. However, it may also be an inevitable one, as few other debt-relief options are as reliable. We encourage you to take action as soon as possible so that no opportunities are missed.
In terms of stopping foreclosure, as long as you take action before the trustee sale date, you still have a chance. We encourage you to get in touch with our Yuma bankruptcy attorney as early as possible so that you can get the full benefit of our experienced representation.
Call (928) 224-3230 as soon as possible to discuss your financial situation. We offer counsel in English and Spanish.
Contact us to discuss your case with an experienced lawyer serving the Phoenix metro area and the surrounding areas of Arizona. You can be confident that we will move quickly to get you the results you need to protect your home from foreclosure.
He aggressively, but tactfully, fought for my voice to be heard in court and he went the extra mile.- David K.
I highly recommend them if you need to file bankruptcy.- Bob R.
Mr. Hineman was very helpful.- Walter R.
If you're in trouble, do not hesitate to call on Mr. Hineman's help.- Kristian H.
If you want a fantastic lawyer, Mr. Hienman is your man.- Belinda G.
Over 30 Years of Legal Experience
Wide Range of Legal Services Available
Results-Driven Legal Strategies
Retired Judge Advocate & Proud Veteran
Compassionate & Responsive Service
Phil Hineman has been providing bankruptcy, family law, and criminal law services for the community for over 25 years. Reach out to discuss your case today.