Getting Your Finances Back On Track

Protect Your Home Through Bankruptcy

Many people don’t consider bankruptcy until some sort of action triggers a response. Perhaps you received a mortgage default notice from your mortgage lender. Or, maybe the sheriff’s office has scheduled a foreclosure sale for your home.

We have good news for you.

Options To Keep You In Your Home

Either a Chapter 7 or a Chapter 13 bankruptcy can help you keep your home and stop foreclosure.

At Kerney Law Firm, the only type of law we practice is bankruptcy law. Once someone decides to file for bankruptcy, we take care of everything else. The creditors and lenders talk to us – and not to you. You can sleep easily knowing that you will be free to start over financially.

For your convenience, we have provided some basic background information about bankruptcy and have also provided the answers to many frequently asked questions.

Keep Your House Through Chapter 7

Under a Chapter 7 filing, you can stop the foreclosure of your home. Creditors have the right to take the house in a Chapter 7 bankruptcy, but if you bring your mortgage payments current and keep making the mortgage payments this rarely happens.

Keep Your Home With Chapter 13

If you are behind in your payments, a Chapter 13 filing lets you make up missed payments over a period of time and stops foreclosure. The late penalties stop on the day you file.

Our job is to make sure that we negotiate with all of your creditors, including your mortgage lender, to get the best payment plan possible. We find a way to reach an agreement that the creditor will accept. Negotiating with creditors allows you to remain in your home and avoid stressful foreclosure proceedings – but you must do so within a certain timeframe. Attorney Chris Kerney will ensure you understand your rights and obligations while we work to protect your home.

Stay In Your Home And Start Over – Call For A Free Consultation

Stop tossing and turning and stop foreclosure actions. Our Tennessee law firm helps individuals and families in Gallatin, Portland, Hendersonville, Lebanon and the surrounding area. Let us evaluate your financial situation and help you identify your options. Your first consultation with a lawyer is free with no obligation. Call 615-206-9900 or email us today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.