Chapter 13
Wage Earner

Chapter 7
Full Bankruptcy




Stop Foreclosures In Tennessee

Foreclosure is a nightmare that every homeowner wants to avoid. We understand that your home is more than simply an asset and saving it is of utmost importance.

If you have fallen behind on your mortgage payments and are threatened with foreclosure, you may have options. Filing Chapter 13 bankruptcy can stop the threat of foreclosure. Even if the foreclosure sale has been scheduled, you can file and stop the foreclosure, provided that you file before the actual sale. Therefore, it is important that you not delay in filing.

For over 30 years, The Law Offices of Philip F. Counce has helped people keep their homes using the bankruptcy laws. We can take action immediately to stop foreclosure, repossession and garnishment.

Don’t take on your creditors alone!

Call or email the Counce Law Firm at 901-201-6012.
Free confidential consultation with a lawyer, not a paralegal.
We take the time to understand your needs and answer all of your questions. While we want to solve your problem quickly, it’s important that you are comfortable with the process, and understand how it will impact you. These thoughtful conversations enable us to ensure the best possible outcomes.

3333 Poplar Ave. – just West of Poplar & Highland – Free Parking

How To Stop Foreclosure Through A Chapter 13 Bankruptcy

Our bankruptcy laws have been enacted to help people like you — good people who have fallen behind on their mortgage payments, real estate taxes and other bills.

The Chapter 13 bankruptcy process can help you keep your home and give you the financial breathing room you need. The threat of a bank foreclosure stops immediately, and past due mortgage payments and taxes can be caught up over a period of up to 60 months to keep your payments low. You can then start rebuilding your financial life.

In some cases, it may be possible to file a Chapter 7 bankruptcy and completely eliminate your debt, while also keeping your home.

It is very important to act quickly. It is best to file before the foreclosure process is started to avoid foreclosure costs, and you must file before the sale to save your home. Call immediately if you are behind on your house note to see how Chapter 13 bankruptcy can help.

The sooner you act, the sooner we can go to work for you.

Lower Mortgage Payments – Loan Modifications

According to Tennesse bankruptcy law, you and your loan servicer can agree to permanently change one or more of the terms of the mortgage contract to make your home affordable. Modifications often include reducing the interest rate, extending the term of the loan, or adding missed payments to the loan balance. A modification also may reduce the amount of money owed on your home by canceling a portion of the mortgage debt. However, during this process, your lender may commence or continue a foreclosure while it considers your application.

You can obtain the protection of the bankruptcy court during the loan modification process, giving you the added protection of preventing a foreclosure and associated expenses while you complete the requirements of your lender.

You have nothing to lose and possibly much to be gained by applying for a loan modification, so we encourage you to apply even after your case is filed.

Filing for bankruptcy protection may also help stop vehicle repossession attempts.

Contact An Experienced Foreclosure Attorney In Memphis

Call now to learn about what options are available to you in your particular financial situation, as well as guidance in stopping foreclosure with bankruptcy. Contact our law firm today online or call 901-201-6012 to schedule a FREE CONFIDENTIAL CONSULTATION.

Unlike many firms, with us you will always discuss your financial situation with an attorney, not a paralegal or assistant.

We are a Title 11 debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. This ad does not create an attorney-client relationship until a written agreement is signed.