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     Regardless of whether disability, illness, or mounting debt threatens your home with unfortunate foreclosure, there are many available legal options that can save your real estate or manufactured home. At the Law Office of Mark Albert Herder, we review the terms of your mortgage, whether or not questionable lending and marketing practices were involved in securing or refinancing it and whether you are eligible to file for a Chapter 13 bankruptcy proceeding.  Especially in cases involving subprime second mortgages and home equity loans, lenders use a number of unscrupulous techniques to defraud or manipulate homeowners into accepting onerous terms likely to bankrupt them.

     Columbus bankruptcy attorney Mark Herder represents clients involved in all of the following types of mortgages: conventional mortgages, fixed-rate mortgages, interest-only mortgages, variable-rate mortgages, adjustable mortgages, balloon payment mortgages, reverse mortgages, wraparound mortgages, subprime mortgages, jumbo mortgages and no-interest rate mortgages.

     If you file Chapter 13 bankruptcy to save your home, you will be required to submit to a payment plan agreed to by you, your lenders, the Chapter 13 Bankruptcy Trustee and the United States Bankruptcy Court Judge.  An appraisal of any real estate that you wish to retain will be required.  Individuals may use a chapter 13 proceeding to save their home from foreclosure. The automatic stay provision of the United States Bankruptcy Code stops and halts the foreclosure proceeding as soon as the individual files the Chapter 13 petition. The individual may then bring the past-due payments current over a reasonable period of time (no more than 60 months or five (5) years).  Under Ohio and federal laws, the homeowner may lose the residence if the mortgage company completes the sheriff's foreclosure sale before the filing of the bankruptcy petition.  The debtor may also lose the home if he or she fails to make the regular mortgage payments that come due after the Chapter 13 filing.

     Please call Columbus bankruptcy attorney Mark Herder at (614) 444-5290 today for an an absolutely-free, pressureless consultation regarding your options for saving your home!

Save your home.
 
Stop foreclosure.

Save your mobile home.

 
Chapter 13 Bankruptcy!