My two law offices are located in Northern Virginia and the majority of my clients reside in Alexandria, Fairfax, Arlington, Loudoun and Prince William County. For those who reside in Northern Virginia, please keep in mind that your case will be filed in the bankruptcy court that sits in Alexandria, Virginia. I also represent those who reside in Washington, DC. Moreover, I am obligated to disclose that since I am a bankruptcy attorney that I am also considered to be a debt relief agency. I proudly help people get their fresh start by filing for bankruptcy under the bankruptcy code.

Is your home in foreclosure? Has the bank turned you down for a loan modification despite repeated efforts on your part? If so, a chapter 13 bankruptcy may be the solution you are looking for. A chapter 13 bankruptcy filing can help you stop a foreclosure, and if the circumstances are right, you may be able to save your home. Keep in mind however, that in order to stop the bank from foreclosing on your home, the bankruptcy filing must be filed prior to the foreclosure sale date -also known as the trustee sale date. Once the foreclosure has actually occurred it usually takes a miracle to reverse it.

In addition to stopping a pending foreclosure, a chapter 13 bankruptcy filing will allow you to catch up on your mortgage arrearage over a prolonged period of time, typically three or five years. The problem is that once you are more than 3 months behind on your mortgage payments the bank will expect you to pay them the entire amount owed at once in order to reinstate your mortgage. They will not put you on a payment plan and allow you to get caught up over time. The chapter 13 bankruptcy solves that problem. It buys you time and forces the bank to allow you to pay back the mortgage arrears over time, instead of in a lump sum. The $12,000 in mortgage arrears for instance can be paid at a rate of $200 per month over the course of sixty months, instead of writing a check for the full amount.