Norfolk Foreclosure Defense Attorney
Facing Foreclosure? Explore Options with Virginia’s Largest Consumer Bankruptcy Firm
A missed mortgage payment, foreclosure notice, or scheduled sale calls for prompt attention. Your options may depend on the sale date, mortgage arrears, household income, other debts, and whether you hope to keep or leave the property.
Our foreclosure attorneys examine whether bankruptcy protection may apply to your circumstances. We consider both the immediate deadline and whether the proposed path is workable over the long term.
Call (804) 358-9900 to arrange a free, no-risk consultation about your foreclosure notice and possible bankruptcy options.
Consumer Bankruptcy Guidance Since 1991
Boleman Law Firm, P.C. is Virginia’s largest consumer bankruptcy law firm. We’ve helped more than 140,000 Virginians regain their financial health since 1991.
That bankruptcy experience matters when the risk of losing your home is part of a wider financial problem. We assess your circumstances, needs, and goals before explaining the available courses of action.
What to Gather After Receiving a Foreclosure Notice
Start by identifying the current stage of the process. Being behind on payments, receiving formal notice, and having a scheduled sale date each create different timing concerns.
Gather these documents and details for your consultation:
- The foreclosure notice and scheduled sale date
- Recent mortgage statements and payment history
- Information about other liens on the home
- Household income and regular monthly expenses
- Balances for other significant debts
These details help us determine whether you’re dealing with mortgage delinquency, an imminent sale, a possible issue with the loan or notice, or a broader need for bankruptcy relief. If a sale date is approaching, don’t wait until every document is organized before seeking guidance.
How Chapter 13 May Stop a Foreclosure Sale
Chapter 13 bankruptcy may stop a foreclosure proceeding and provide a way to address missed mortgage payments. It’s designed for individuals with regular income who propose a court-approved repayment plan, generally lasting three to five years.
Filing a bankruptcy petition generally triggers an automatic stay that pauses most collection activity. The stay may halt a pending sale, but statutory exceptions, prior filings, or a later court order can limit that protection.
Addressing Mortgage Arrears
Chapter 13 may allow eligible homeowners to bring mortgage arrears current through the repayment plan. Homeowners generally must continue making future mortgage payments while complying with the confirmed plan and other applicable requirements.
Filing doesn’t guarantee that someone can keep a home. Our foreclosure defense lawyers evaluate whether income, ongoing payments, total debt, and the remaining time support a feasible plan. We’ve achieved the highest number of Chapter 13 bankruptcy discharges in Virginia.
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"I am beyond thankful!"
The professionalism, empathy respect and guidance that I received at the Boleman law office was an unforgettable experience that uplift my journey.
- Monica B. -
"Boleman law firm has been the best law firm in Virginia."They helped me and my wife so much I could never repay them for the help they did for us and they were very kind and helpful and always took my calls and always made sure I was doing my part and they never ever let us down they saved our home our automobiles and that was our life as I said they were like family the way they treated us and did so much for us and the price they charged us was so cheap and they never let us down. To us there is no other law firm that is like family.- David R.
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"I highly recommend Boleman Law firm if you are considering bankruptcy."Boleman Law Firm possesses some great lawyers. I had some fears about filing for bankruptcy but their staff walked me through the entire process. I was treated with respect and compassion. It’s not easy deciding to file for bankruptcy but Boleman made the process easy and relatively straightforward.- Robert M.
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"Guided us to a successful outcome."
We had a great experience . Their team is amazing. Very professional while being considerate of 2 older folks with special needs.
- Tom G.
Is Bankruptcy-Based Foreclosure Defense a Practical Option?
Any bankruptcy-based strategy must address both the immediate deadline and your ability to manage future obligations. Before recommending a course of action, we assess your financial circumstances, needs, and goals.
Our evaluation commonly considers:
- Sale timing: Whether a sale has been scheduled and how much time remains
- Mortgage arrears: The amount needed to bring missed payments current
- Income stability: Whether regular income could support current payments and a repayment plan
- Other debts: Secured and unsecured obligations affecting the household budget
- Home equity: The property’s value compared with mortgages and other liens
- Long-term goals: Whether keeping, selling, or leaving the property is the practical objective
This review can clarify whether Chapter 13 is feasible or another lawful resolution better fits your position. It considers not only the immediate sale risk but also your ability to stay current afterward.
