Protect Your Valuable Assets (Home +Vehicles) and Keep Your Wages
We advocate for Nebraska and Iowa residents when payments are missed on their homes
For most of us, buying a home is an essential part of the American dream. However, changing markets and financial upheaval could put a homeowner in a position where they no longer can make their required mortgage payments. This problem can be even worse for people who were induced by their lender into an agreement that works to the advantage of the financial institution, not the borrower. At Alhejaj and Associates, P.C. we help Nebraska and Iowa clients hold on to their homes whenever possible. If your home is being foreclosed upon, it may be possible to stop it from happening. Our firm works quickly and efficiently to maximize the likelihood that you will stay in your home.
Providing options of mortgage modification and bankruptcy to assist homeowners
If you have missed mortgage payments and are concerned about foreclosure, there are steps you can take to help prevent your lender from taking away your residence, such as:
- Filing for Chapter 13 bankruptcy protection — Our attorney can prepare and submit a Chapter 13 bankruptcy filing, which restructures your obligations and allows you to keep your home. Once you apply for bankruptcy protection, creditor harassment and collection actions, such as foreclosure proceedings, must stop. Under Chapter 13, missed payments and future obligations can be rolled into a three to five year plan that is created based on your income and other expenses.
- Addressing other debts — Though Chapter 13 is usually the bankruptcy option that is best suited to debtors who want to maintain ownership of their home, some people may benefit from a Chapter 7 bankruptcy. Though that type of bankruptcy filing does not authorize a repayment plan, a homeowner who is released from other obligations might be able to get the money they need to catch up on their mortgage. We will provide you with detailed and personalized options.
- Pursuing a mortgage modification — Even if the foreclosure process has already begun, it may not be too late to save your home. If after a Chapter 13 bankruptcy is filed, we can work to assist you in negotiating a mortgage modification that fits your current circumstances. Our firm also advises on government programs that are available to assist homeowners in crisis and encourage our debtors to seek out all options.
Even if a repossession has happened, it is not too late
Along with fighting against a possible home foreclosure, our attorney might also be able to recover your car if it has been repossessed. No matter what type of debt relief you seek, timing is critical. The sooner you retain a qualified attorney to represent your interests, the better. A Chapter 13 bankruptcy can be filed even after a vehicle is repossessed to allow you to get the vehicle back into your possession and begin a repayment plan on that vehicle. If you are wanting to just walk away from debts that are lingering after a repossession or voluntary surrender, bankruptcycan also work to help clear up your credit report from these debts.
Experienced in helping people with lawsuits, judgments, and garnishments
Along with fighting against a possible wage garnishment, our firm might also be able to recover wages taken within a few months of bankruptcy. No matter what type of debt relief you seek, timing is critical. The sooner you retain a qualified attorney to represent your interests, the better. A bankruptcy can be filed even after a lawsuit has been filed, after a judgment has been entered, and even after a garnishment has occurred. The sooner the better, but it is never too late to contact us if you are facing lawsuits, judgments, and garnishments.
Contact a dedicated lawyer to set up a free consultation
Alhejaj and Associates, P.C. advocates for Nebraskans and Iowans who are facing lawsuits, judgments, wage garnishments or foreclosures. To make an appointment for a free consultation with our qualified attorney, please call 402-345-1717or contact us online.