Dedicated St. Louis Foreclosure Prevention Attorneys
The threat of foreclosure can cause panic, stress, anger and sleeplessness. If you are facing the loss of your home because of past-due mortgage payments, bankruptcy could be right for you. The bankruptcy attorneys of the Law Offices of Carla J. Zolman, L.L.C., are committed to helping you keep your home. We represent clients throughout St. Louis, St. Charles, Jefferson County, and surrounding areas of Missouri.
A bankruptcy filing can delay or stop a foreclosure. Once you file, the court will issue an "automatic stay," under which your creditors must immediately stop collection efforts and foreclosure proceedings. If a foreclosure sale (sometimes known as a "sheriff's sale") has been scheduled for your home, it will be postponed while the bankruptcy is pending.
Whether medical expenses or other debts caused you to fall behind on your mortgage payments, our bankruptcy lawyers can help you get debt relief.
Contact us online or call us at 314-549-8985 to schedule a free initial bankruptcy consultation and learn more about stopping foreclosure.
Affordable Fees · Evening and Weekend Appointments Available
Under Chapter 13 bankruptcy, we can help you create a repayment plan that will let you pay down past-due amounts on your mortgage over the length of the plan — typically from three to five years. Chapter 13 will reorganize your debt, which may make it easier for you to cover your monthly mortgage payments. As long as you make the payments, you will be able to avoid foreclosure.
We also may be able to help you eliminate payments on second or third mortgages under Chapter 13. You may be able to keep your home under Chapter 7, depending on several factors, including the market value, the amount of equity and how much you still owe.
We can help you determine your eligibility for Chapter 7 and help you further explore the difference between the two types of bankruptcy.
Fighting Foreclosure
Stopping foreclosure is a priority for our firm. You worked hard for your home, and we will work hard to help you keep it. In addition to stopping foreclosure of your home, we can also help you protect your car from repossession.
You can rely on us for thorough, aggressive representation. We will pursue the best possible outcome for you. Contact the Law Office of Carla J. Zolman, L.L.C., today. Send us an e-mail or call us at 314-549-8985.
*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
