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What About the House?

For homeowners, the biggest concern about filing for bankruptcy is the possibility of losing the family home. If you are behind on your mortgage, Chapter 7 may delay but not completely prevent the possibility of losing your home. On the other hand, Chapter 13 bankruptcy gives you the chance to repay your past due mortgage balance over a three- to five-year period. Under Chapter 13, you may also be able to do away with a second or subsequent mortgage.

Bankruptcy is not intended to punish people suffering from financial misfortune. State and federal bankruptcy laws allow people filing for bankruptcy to exempt certain property from a bankruptcy filing. As a general rule, you will not lose much, if any, of the property that you want to keep due to these exemption rules. If you enlist the services of our law firm, know that we will closely examine your property to determine whether any of your property is not exempt. If there is property that you want to keep, we will explore all of your options.

If you are thinking of filing for bankruptcy, perhaps you have nightmares of strangers taking furniture or valued family heirlooms from your home. We are the law firm of Michael E. Plummer & Associates, and we can tell you that these fears are unfounded. Our attorneys have helped thousands of people in Ohio, Kentucky and Indiana file for bankruptcy. Our lawyers and experienced staff have a complete understanding of the bankruptcy laws, and we will do everything within our power to help you keep your property.

How do I Choose the Right Lawyer?