Jacksonville Automatic Stays Lawyers
Protecting Florida Clients from Foreclosure Actions
If you are facing foreclosure, you may think that there is nothing you can do to stop it. However, there are several options available to you. One of these options is an automatic stay, which is a court order that stops all foreclosure actions.
An automatic stay can be requested in several ways, including:
- Filing for bankruptcy
- Filing for Chapter 7
- Filing for Chapter 13
- Requesting a stay through the court
If you are facing foreclosure, you may want to consider filing for bankruptcy. At The Law Office of David C. Meltzer, PLLC, we have been helping people like you for more than 30 years. We can help you get an automatic stay and protect your home.
Call (904) 418-7454 today to discuss your situation with our Jacksonville automatic stays lawyers. We offer free consultations.
Understanding How Automatic Stays Work
An automatic stay is a court order that immediately halts all foreclosure actions. This means that the bank cannot move forward with the foreclosure, and it cannot sell your home while the stay is in effect. While the stay is in place, you have time to work on a solution with your lender.
Steps to Obtain an Automatic Stay
To get an automatic stay, you must file for bankruptcy. You can file for Chapter 7, Chapter 13, or straight bankruptcy. The automatic stay will be issued as soon as you file your petition.
After you file for bankruptcy, the automatic stay will be issued immediately. This means that the foreclosure process will be halted, and the bank cannot sell your home. You will be able to use the automatic stay as a way to get time to work on a solution with your lender.
Reasons to Consider Bankruptcy for Foreclosure Relief
Filing for bankruptcy is a smart choice if you are facing foreclosure. You can use your bankruptcy case as a way to get an automatic stay and protect your home. We can help you get the relief you need.
At The Law Office of David C. Meltzer, PLLC, we have helped countless people like you get the relief they need. We can help you, too. Contact us online or call (904) 418-7454 to schedule a free consultation with our Jacksonville automatic stays lawyers.
Guidance. Experience. Compassion.
Reviews & Testimonials
Hear what clients are saying about The Law Office of David C. Meltzer, PLLC
-
Made the Process Simple
“I can't say enough positive things about Meltzer Law office.”- Shelly
The Law Office of David C. Meltzer, PLLC Is The Right Choice to a Fresh Start
Learn More About Bankruptcy & Foreclosure
Frequently Asked Questions
-
Bankruptcy is legal process in which a debtor seeks an order of relief from the bankruptcy court. In Layman’s’ terms when someone files bankruptcy, they are asking the court for legal protection from their creditors. This legal protection could be a discharge of debts they are unable to pay or it could be additional time to repay a secured debt. Debtors who pass the means test or do not have a regular source of income are eligible for a discharge under chapter 7 of the bankruptcy code. A discharge is a federal court order that prevents creditors from attempting to collect on a debt. Individuals and Corporations can both file chapter 7 bankruptcy, however only individual debtors can receive a discharge. The most significant issues that arise in chapter 7 bankruptcy cases are the loss of property and the possibility of the court denying your discharge. Very few debtors are denied a discharge by the bankruptcy court.
-
A discharge is typically entered toward the end of a bankruptcy case and is an order signed by a Federal Judge. This order states that the person who filed bankruptcy no longer has any obligation to pay certain debts that were included in the bankruptcy.
-
Almost all debts are dischargeable. Student loans, most taxes, and Domestic Support Obligations cannot be discharged. As a general rule all other kinds of debts are dischargeable.
