With the COVID-19 foreclosure moratoriums over, housing foreclosures are once again on the rise nationally. In fact, in September of 2023, we saw home foreclosures on the rise by a whopping 18.4% from this time last year. Foreclosures in Indianapolis have also been increasingly more common. Indiana has not been immune to this national trend. Ranked … Read More
If you’re in a financial bind, your best option might be to seek a fresh start through Chapter 7 bankruptcy. However, you may be concerned that doing so could cause you to lose your biggest investment – your home. In most cases, you don’t forfeit your home when you file for Chapter 7 bankruptcy. What … Read More
When you are struggling to pay your bills, there may come a point where you are faced with deciding between bankruptcy vs foreclosure. Which decision you make or which one is the best decision can depend on your individual circumstances. If you choose bankruptcy, there are also different options depending on whether you choose a … Read More
There are few life events as stressful as a foreclosure. Foreclosing on your home upends your family’s life, negatively impacts your credit history, and may hurt your ability to get a new mortgage in the future. However, there are ways to prevent foreclosure, even if you can’t afford your mortgage payments. One of those methods … Read More
Adjustable rate mortgages have been on the rise in recent years. And although there are benefits to obtaining this type of mortgage, debtors often have to pay increased interest and monthly payments. These increased payments can put financial pressure on debtors, leading them to fall behind on their housing payments. If you’re at risk of … Read More
Chapter 13 bankruptcy offers the option of lien stripping. Lien stripping can eliminate junior liens, such as second or third mortgages. If you’re filing or considering filing for Chapter 13, you need to be aware of the process and advantages of lien stripping. Chapter 13 lien stripping can be beneficial to your financial situation and … Read More
At the start of 2020, Americans and individuals all over the world were affected by the pandemic. While the government created programs to assist those financially affected—such as the CARES Act—many who were already struggling before the hit of COVID-19 fell even further into debt. Though enacting the CARES Act helped, those dealing with hefty … Read More
If you are struggling to pay your mortgage and owe more on your house than the house is worth, you have several options. None of these options are miracle cures — they each come with pros and cons worth considering. One of these options is a short sale. This is when a lender agrees to … Read More
Although filing for bankruptcy can solve many of the issues you are dealing with, ease your stress level, and give you a chance to breathe, it cannot remove all of your worries. If you are contemplating filing for bankruptcy, you are probably overwhelmed with debt that you can’t repay while dealing with creditors. Many people … Read More
When an Indiana homeowner is unable to make their mortgage payments, the lender eventually starts a foreclosure. The foreclosure process, if left to proceed, ultimately results in the house being sold off to settle all or part of the debt. This is a nightmare for a family that’s already struggling to make ends meet. Your … Read More
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