Foreclosure
Stop the Foreclosure on Your Home Through Bankruptcy
Savannah Foreclosure Defense Attorney
If you’ve fallen behind on your mortgage, working with a foreclosure defense attorney may be the best way to protect your home. A Chapter 13 bankruptcy can provide the opportunity to catch up on delinquent payments while keeping your property. With rising housing costs in Savannah and surrounding areas, your monthly mortgage may be more affordable than renting.
A skilled foreclosure defense lawyer can help you navigate the process, protect your rights, and avoid losing your home. For homeowners in need of support, a foreclosure defense attorney in Georgia can offer legal guidance and help you stay current with your lender.
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Don’t Hesitate to Take Action
If you believe your lender may be moving toward foreclosure in Georgia, it’s crucial to take immediate action, even if you’re unsure. Start by contacting your mortgage lender directly to confirm the status of your loan. Be sure to ask whether your mortgage has been referred to an attorney for foreclosure.
In many cases, homeowners believe they are in the middle of a loan modification, while another department within the mortgage company is already initiating foreclosure proceedings. To protect your home and your rights, consult with the best foreclosure defense attorney who can help clarify your options and defend against foreclosure.
Expert Bankruptcy Counsel to Save Your Home
Work With An Experienced Foreclosure Defense Lawyer To Save Your Home
If you need legal counsel regarding how to save your home through bankruptcy, call on the Law Offices of Mark A. Bandy, PC. Backed by more than 20 years of practice that has concentrated primarily on bankruptcy solutions, our attorney has vast knowledge of the state and federal laws governing this action. Attorney Bandy can help you understand the procedures, what to expect, and can help you come up with a bankruptcy plan tailored to your needs and goals. We will work hard to pursue an affordable monthly repayment plan through a Chapter 13 filing that is in your best interests.
Understand your options and how bankruptcy can save your home from foreclosure. Contact Law Offices of Mark A. Bandy, PC online to request a free case analysis or call (912) 509-7015. Our Savannah foreclosure lawyers are ready to help.
Understanding Foreclosure Process in Georgia
What is the Foreclosure Process?
In Georgia, there are two primary types of foreclosure: judicial and non-judicial. The most common is the non-judicial foreclosure because it is faster and less costly than going through the courts. Understanding the foreclosure process in Georgia is crucial for homeowners at risk of losing their property.
In a judicial foreclosure, the lender must file a lawsuit to request the court’s permission to proceed with a foreclosure sale. If the homeowner doesn’t respond, the lender typically wins the case, and the property is sold. If the homeowner does respond, the court will consider both sides before making a decision. If the court rules in favor of the lender, the property will be auctioned.
In contrast, a non-judicial foreclosure follows a streamlined procedure outlined by Georgia law. Once the lender completes all required legal steps, they can proceed with the sale. This is the quicker route in the foreclosure process timeline, making it the go-to method for most lenders dealing with foreclosure in Georgia.
Foreclosure Process in Georgia Timeline
An overview of the Non-judicial Foreclosure Process in Georgia
How Long Does Foreclosure Take?
Foreclosure is a legal process that allows a lender to take possession of a property when the borrower defaults on their mortgage payments. In Georgia, the foreclosure process typically takes between 60 and 90 days or but it can vary depending on the circumstances of the case.
How Long Can You Go Without Paying Your Mortgage?
You cannot simply be evicted if you fall behind on your mortgage payments. In most cases, the foreclosure process starts when the loan is more than 120 days past due. This waiting period allows debtors to find options that will work for them such as obtaining a loan modification.
Automatic Stay, Repayment Plan, and Trustee Role
How Does Chapter 13 Stop Foreclosure?
Once you file for Chapter 13 bankruptcy, the court immediately issues an “automatic stay” that halts all collection efforts by creditors, including the foreclosure process. This legal protection gives you crucial time to work on a financial solution.
Chapter 13 allows you to repay your mortgage delinquencies through a structured plan managed by the bankruptcy court. Under this plan, your mortgage arrears are included in one affordable monthly payment, spread over three to five years. During this time, you must also continue making your regular monthly mortgage payments.
Your bankruptcy trustee, appointed by the court, receives your payments and forwards them to your lender. Once you complete your repayment plan, you regain control of your finances and avoid foreclosure.
If you’re unsure how this process works or whether it’s right for you, a foreclosure defense attorney can guide you. Our experienced foreclosure defense attorneys are here to help protect your home and navigate the legal process with confidence.
Time Is of the Essence
Call the Law Offices of Mark A. Bandy, PC
When facing the prospect of a foreclosure on your home, it’s crucial not to wait until the last minute to take action. Foreclosures in Georgia are held on the first Tuesday of every month. If you wait until the Monday before your scheduled foreclosure, you’ll likely need an emergency bankruptcy filing, often resulting in higher upfront legal fees due to the urgency.
To avoid this, we recommend contacting us at least two to three weeks in advance. Our experienced foreclosure defense attorneys in Savannah are ready to help you explore your options and protect your home. Contact us today!
Facing Foreclosure in Georgia?
Protect Your Home With A Savannah Foreclosure Defense Attorney
If you are facing foreclosure in Georgia, it’s important to take action as soon as possible to protect your rights and your home. At Law Offices of Mark A. Bandy, PC, our Savannah foreclosure lawyers have over 20 years of experience helping homeowners navigate the foreclosure process and explore their legal options. We offer free consultations and have weekend, after-hours, and virtual appointment availability to accommodate our clients’ needs.
Our foreclosure defense attorneys in Savannah, GA are committed to helping our clients find the best solution for their unique circumstances, whether that involves negotiating a loan modification or pursuing a legal defense against foreclosure. If you are facing foreclosure, contact our Savannah foreclosure attorney to schedule your free consultation. We are here to help you protect your home and your future.
Talk to our foreclosure defense attorney Georgia at (912) 509-7015 to get started.
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Attorney Mark A. Bandy has over 20 years of experience successfully handling bankruptcy filings in Savannah.