Foreclosure Help

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If you are facing foreclosure, you may still have options to protect your home. Bankruptcy can stop foreclosure, and for many homeowners, Chapter 13 bankruptcy in Richmond, VA provides the most effective solution. If you have income from employment, Social Security, or other sources, Chapter 13 may allow you to catch up on missed mortgage payments and keep your home.

If you are searching for experienced bankruptcy attorneys in Richmond, VA, Bruce W. White, P.C. can help you understand your options and take immediate action.

Foreclosure typically begins when a homeowner falls behind on monthly mortgage payments. While missing payments can trigger the process, a lender cannot immediately take your home. Virginia law requires lenders to follow specific legal procedures before reclaiming ownership, a process known as foreclosure.

Understanding your rights during this process is critical—and acting early can make all the difference.

Clients often ask, “Can you save my home from foreclosure?” In many cases, yes.

Chapter 13 bankruptcy offers a stronger and more permanent solution. By filing Chapter 13, foreclosure proceedings must stop immediately, and you may be able to:

• Catch up on past-due mortgage payments over time
   
• Keep your home and avoid foreclosure entirely
   
• Restructure debt through a court-approved repayment plan
   

For many homeowners, Chapter 13 bankruptcy is the best way to save their home and regain financial stability.

Unlike Chapter 7 bankruptcy—which may require selling your home if you have too much equity—Chapter 13 allows you to keep your home while repaying arrears over three to five years.

Additional benefits of Chapter 13 may include:

• Rolling missed mortgage payments into the repayment plan
   
• Eliminating certain second or third mortgages
   
• Stopping foreclosure actions immediately upon filing
   

Filing Chapter 7 bankruptcy in Richmond, VA can temporarily stop foreclosure through the automatic stay. This pause typically lasts until the Chapter 7 case is completed—usually about three months. While Chapter 7 does not permanently stop foreclosure, it can provide valuable time to explore alternatives or plan your next steps. 

Because foreclosure and bankruptcy laws are complex, it is essential to work with an experienced Richmond foreclosure and bankruptcy attorney to determine the best strategy for your situation.

Including your home in a bankruptcy case requires careful legal planning. To find out whether bankruptcy can stop foreclosure in your situation, contact Bruce W. White, P.C. today.

📞 Call 804-288-4328 now for a free telephone consultation and speak directly with Bruce White, a trusted Richmond foreclosure and bankruptcy lawyer who can help you protect your home and your future.