Keep Your House Through Bankruptcy

If you have received a letter from your mortgage lender threatening foreclosure, you need to act quickly. Since the housing bust and subsequent recession in 2007, millions of Americans received those letters and millions lost their homes.

If you live in Sacramento County or Placer County, California, call Sherlock // Anderson, PC, in Roseville. Let our lawyers show you how to get out of debt through bankruptcy and, in most cases, keep your house and car.

How Does It Work?

The day you file for bankruptcy, a stay of execution (stop) is put on all legal actions pending against you. Your bank must stop all foreclosure proceedings, right up to the day of your final foreclosure meeting. Credit card companies are required to stop all collections calls and letters. Banks must stop all plans to repossess your car.

When we file your paperwork with the U.S. Bankruptcy Court, we will file to exempt your mortgage and car payment from the list of debts and declare your intent to "reaffirm" the debt. That means you promise to continue to make your monthly mortgage and car payments on time. The courts don't accept the exemption automatically and a skilled attorney will give you the best chance for success. For most people, making the payments becomes easy after getting rid of their credit card debt, medical bills and old bank loans. You get a fresh start — and get to keep building equity in your home as you save for your future.

Trying To Avoid Foreclosure? Our Attorneys Are Ready To Meet With You.

Call our offices in Roseville at 916-757-6630 or send us an email to request a call. We will schedule a free, no-obligation 30-minute consultation with you to discuss your debt situation. Our attorneys are ready to show you your best options for avoiding foreclosure through federal bankruptcy laws and other avenues.

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