Foreclosure Defense Services

Contrary to what many homeowners are told, there are legal options available for avoiding or challenging the loss of your residential real property.

At Ammerman & Goldberg "Bankruptcy" Law Office, our attorneys strive to help people keep their homes through allowances within bankruptcy laws that enable them to reorganize debt and prevent banks from foreclosing on their house. Our Virginia, Maryland and Washington, D.C., foreclosures attorneys often help clients avoid foreclosure in cases involving mortgage issues and situations such as:

  • Variable/adjustable rate mortgages (ARMs)
  • Interest-only mortgages
  • Teaser rates
  • Illness or job loss
  • Mortgage fraud

Even if you have fallen behind on mortgage payments, filing for bankruptcy can halt foreclosure proceedings and help you gain control over spiraling credit card debt. Additionally, once you file for bankruptcy, creditors like collection agencies and banks must contact our office, putting an end to harassing phone calls and threatening letters.

Stopping Foreclosure Through Chapter 13 Bankruptcy

Filing for bankruptcy under Chapter 13 allows you to restructure your debt. While you will be required to make payments according to a plan agreed to by your creditors, you will not lose your residential property. In general, under Chapter 13 you will be required to repay a portion of your debts over the course of three to five years. If you keep current on your mortgage and other payments during this time, you can avoid foreclosure and work to re-establish your credit.

How Can You Make Bankruptcy Work For You?

The stigma previously attached to bankruptcy deters many people from considering it as an option when debt starts spiraling out of control. As the economy has put more people under economic strain and bankruptcy has become more common, however, that stigma has largely disappeared. As a law firm focused exclusively on bankruptcy, we understand how allowances within the law work to your advantage. Our lawyers are members of the National Association of Consumer Bankruptcy Attorneys, an organization committed to bankruptcy laws and consumer protection.

Don't sit back and wait. Take action to fight foreclosure, please call (301) 655-0606 for a free telephone consultation. You can also reach our foreclosure defense attorneys by sending an online message.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.