Our clients have been surprised to find out that bankruptcy and foreclosure law are more helpful than they first realized. We remind our clients that one of the advantages to filing for bankruptcy is that the foreclosure process may be stopped. By stopping the foreclosure process our clients are able to start paying their arrearage (also knows as overdue debt) back little by little. This payment plan typically lasts five years (same amount of time as Chapter 13 bankruptcy) and encompasses unpaid property taxes, association arrearages, equity loans, second mortgages and other lines of credit. 
Our clients have been relieved to know that by filing for bankruptcy, they are able to save their home in a Chapter 13 bankruptcy and can eliminate most or all of their credit card debt. Thus, there is a double benefit in filing for bankruptcy – you can save your home and pay off your credit card debt. You then have only one payment to make to the court to satisfy your debts.

William Galarza personally understands that no one wins when your home is foreclosed on – not the bank, not the real estate market and certainly not you. In today’s tough economic environment everyone’s goal is to keep you in your home. There are many opportunities and options you can explore to help avoid foreclosure. A Sarasota bankruptcy lawyer can help you reduce your monthly home payments, defer your debt, or decrease your interest rate. We will work as hard as we can to keep you in your home.
At the Sarasota Offices of The Galarza Law Firm, PA, the attorneys and staff give personal attention to each and every case we handle. You will feel secure that you have the ability to move on with your life, both financially and emotionally. William Galarza understands your problem and can help you explore the options available to you that may help you avoid foreclosure.

Avoiding Foreclosure

Have you been served with a notice of foreclosure? Swift action is critical for protecting your family and your home. The foreclosure defense attorneys at Galarza Law Firm can help save your home. Our expert attorneys understand the complicated foreclosure process and know how to negotiate with banks. We will work with your banks on mortgage modifications or payment plans to help you avoid a foreclosure. 
Don’t choose to give up the monetary and personal investments you have put into your home without exploring every option available to you. Current economic troubles and the housing crisis have put banks in a position where it is far more beneficial and profitable for them to restructure your loan through a mortgage modification rather than trying to move foreclosed property in a difficult market.
Banks are more willing than ever to work with you.

Let Us Help You Keep Your Home

At The Galarza Law Firm, PA we offer a hands-on approach for clients that keeps you informed and involved. Take advantage of our free initial consultation to sit down with an attorney and have your current situation evaluated, and find out how we can put our 29 years of bankruptcy experience to work saving your home.
Call us today at 941-487-8602 or contact us online to schedule your appointment. We also assist Spanish speaking clients.

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