You bet!

In fact, Ch. 13 bankruptcy is the only surefire way to stop foreclosure and prevent other forms of debt collection. That’s because, as soon as you file, a court order legally protects you from all creditor actions.

While there are other options for lowering your mortgage – the most common being loan modification – Ch. 13 is the only one that is your guaranteed right under the U.S. Constitution.

The truth is, mortgage companies have little incentive to modify your loan. They can actually earn more money by keeping you close to foreclosure than by helping you become current. How? By collecting late fees and reimbursements from pre-foreclosure steps like inspections and insurance – and, ultimately, money from the sale of your home.

And think about it – even if you do get new terms for your loan, you’ll still be stuck paying off the same old debts. The same credit cards, the same medical bills and the same loans.

A Ch. 13 bankruptcy plan, on the other hand, can help you eliminate your current financial obligations – so you can put your past behind you and move forward.

Banks are concerned about their bottom line, not yours. Why not choose a plan that’s made for you – the homeowner, the consumer, the American citizen?

Even if you’ve already received a foreclosure notice in the mail, there’s still time take advantage of Ch. 13 and the automatic stay – if you hurry. Contact a DebtStoppers bankruptcy attorney today to find out if Ch. 13 could be your key to financial freedom.

Don’t give up – you’ve worked too hard to let homeownership slip away! Contact a DebtStoppers bankruptcy attorney today for a free debt analysis online or by calling 800-440-7235