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Home & Mortgage Loan Modification and Bankruptcy

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Home & Mortgage Loan Modification and Bankruptcy


Recently I have noticed clients coming into my office with a foreclosure sheriff’s sale pending on their residence. They have been in contact with their mortgage company, sometimes for months, working on a loan modification. I advise that they should not trust that the mortgage company will stop the sale of the home due to a pending modification. We have seen houses sold at sheriff sale while anxious homeowners thought that they were on track to get a modification.

We can use the Federal Bankruptcy Court to stop a sheriff’s sale and help you get back on track with your mortgage under court protection. We can also reorganize other debts, making it easier for you to concentrate on hanging onto your home. Further, it is still possible to get your loan modified while in a Chapter 13 bankruptcy. Our firm has found that being in a Chapter 13 bankruptcy can make it easier, in some circumstances, to get a loan modification approved.

Do not gamble with your home by getting further and further behind on your mortgage payments while waiting on a faceless mortgage company to make a decision on whether you get to keep your home. Call us today to schedule a free initial consultation with an experienced Indianapolis bankruptcy attorney and we will explain how we can give you some control over your home’s destiny back.

About the Attorneys

Andrew Sawin received his Bachelor of Arts degree from Indiana University in 1989 and his Doctor of Jurisprudence from Indiana University School of Law – Indianapolis in 1995. He has concentrated his practice in the field of Consumer Bankruptcy for the past 15 years.

Richard Shea graduated from California State Polytechnic University, Pomona with a Bachelor of Science degree in Hotel & Restaurant Management in 1995 and received his Doctor of Jurisprudence from Indiana University School in 1998.

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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.