Roseville Bankruptcy: Stopping Foreclosure and Repossession Chapter 13

Chapter 13 bankruptcy saves your home from foreclosure at any time up until the foreclosure sale.  Your arrears are then put into your payment plan.  Future payments must still be made directly to your mortgage lender, but the arrears are disallowed from foreclosure.

Chapter 13 bankruptcy also stops repossession of your car.  Past due balances are consolidated along with the remaining balance on your car loan.  For cars, you no longer need to make a payment to the finance company at all; instead, all is paid to the court-appointed Trustee as described in your consolidation plan.  You simply make a single monthly payment on your plan directly to the Trustee.  Often, Sagaria even uses Chapter 13 to get your car back following a repossession, but you should act quickly because delays can take away your ability to utilize this opportunity.  

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