Foreclosure Defense Attorney Serving Kansas
For most people, debt is not something that happens all at once. One late payment can snowball into higher interest, penalty fees, and a stack of credit cards you cannot keep up with. If overwhelming debt has crept up on you and you are now facing foreclosure, you may be panicking and wondering how you can keep your home.
At Wellman Law, LLC, we can assist you if you think you will default, have already defaulted, or have received a statement that foreclosure proceedings will begin. Our Overland Park foreclosure defense lawyer is skilled at navigating the debt relief options for clients like yourself.
Schedule a free, confidential consultation with Attorney Wellman today when you call the firm.
Don't Face Challenges Alone—Seek Help
How Can I Stop Foreclosure?
There are many different reasons why you may have run into a problem paying your mortgage. Perhaps you recently lost your job, became ill, or are taking care of a family member who was injured and have not been able to keep up with your bills. Whatever the case may be, our Overland Park foreclosure attorney is understanding and compassionate. We are here to do whatever we can to help you you’re your home.
Some options to stop foreclosure and protect your home include:
Deed in lieu of foreclosure
Filing for bankruptcy
Loan modification
Debt negotiation
In recent years, there has also been an increase of cases where the court is sympathetic about shady or fraudulent lending practices, siding in favor of homeowners when foreclosure actions are challenged. In such cases, our foreclosure attorney aims to craft a defense that helps you keep your home. For example, a common foreclosure defense may be that the terms of the loan were unconscionable, the original lender violated laws and engaged in unfair lending practices, or that the foreclosing party did not follow proper Kansas procedures, such as failing to serve you the notice of default. With many loans being bought and sold, another defense may be that the foreclosing party can’t prove it owns your mortgage.
Filing for Chapter 13 Bankruptcy to Stop Foreclosure
While not the only option, filing for Chapter 13 bankruptcy can be one of the most effective and sensible ways to stop foreclosure. When you file for Chapter 13, it puts an automatic stay in effect immediately. This automatic stay prevents all debt collection attempts, including foreclosure. This gives us the opportunity to work through the bankruptcy process and reorganize your debt until it is more manageable for you in the long term.
Contact us now to set up a free consultation and learn more about your options.