Jacksonville Foreclosure Defense Attorney

Are You in Danger of Losing Your Home to Foreclosure?

The foreclosure defense attorneys at Owenby Law, P.A. stop foreclosures for our clients in Duval, St. Johns, Nassau, and Clay Counties. If you have begun receiving late notices from your mortgage lender, or you know that you are no longer able to continue making your monthly mortgage payments, it is important that you contact our Jacksonville law office before it is too late to prevent the bank's repossession of your home.

Stopping Foreclosure Through Bankruptcy in Florida

The foreclosure defense lawyers at Owenby Law, P.A. recognize the sense of desperation that our clients and potential clients experience when they learn that their banks are initiating foreclosure proceedings. Many of these individuals feel that there is nothing they can do to prevent foreclosure once their bank has notified them of the action, but that is simply not the case. By filing for Chapter 7 or Chapter 13 bankruptcy in a timely manner, our bankruptcy lawyers are able to protect our clients' homes in the short term under the umbrella of the automatic stay.

This is a court order issued by a bankruptcy judge that prevents creditors from attempting to collect payment or foreclose on real property until the stay is lifted. In other words, it freezes the foreclosure action, allowing the homeowner to remain in his or her residence. In most cases, if the homeowner is able to restructure his or her debt and bring the mortgage current, he or she can keep the home even after bankruptcy.

Making Mortgage Payments Manageable Through Debt Reduction

Bankruptcy allows you to discharge and/or restructure your debt. When a debt is discharged, the creditor cannot pursue future claims against you for it. When the debt is restructured, your monthly payments are lowered and paid over a longer term. Once other debts are discharged or restructured through bankruptcy, homeowners typically find their mortgage payments to be more manageable, even if they remain the same.

Request Your Free Initial Consultation – Call Owenby Law, P.A.

If you are in foreclosure or anticipating foreclosure, it is crucial that you retain the services of a foreclosure defense lawyer immediately. At Owenby Law, P.A., our attorneys pride themselves on their ability to help Florida residents remain in their homes. If you are ready to schedule free initial consultation with one of Jacksonville's premier bankruptcy and foreclosure defense attorneys, call the team at Owenby Law, P.A.

If you are facing the loss of your home in Jacksonville or a surrounding area, Owenby Law, P.A. should be your next call.