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Debt has a way of spiraling out of control. One month you miss a credit card payment, and the next you are behind on your mortgage payment. Before you know it, the bank is threatening to foreclose on your home. While it may feel like you have no choice but to let the lender take your home, you have options.

If you have received a notice of foreclosure, it is important to call us as soon as possible. To schedule a free consultation, contact Wages & Benham online or call 901-323-3902.

Since the 1950s, Wages & Benham has been helping people in Memphis and throughout western Tennessee stop foreclosure with bankruptcy. During your free consultation, one of our Memphis stop-foreclosure attorneys will explain all of your options and help you choose the path that is best for you and your family.

We Can Help You Keep Your Home

Both Chapter 7 and Chapter 13 bankruptcy can help you stop foreclosure. When we file your bankruptcy, the automatic stay goes into effect, which immediately stops the foreclosure process from moving forward. Additionally, it also stops all creditor collections, repossession and garnishment actions. This can give you the breathing room you need to get your finances in order or find another place to live.

If your goal is to keep your home and cure your mortgage arrearage, then Chapter 13 may be the right option for you. In a Chapter 13, we will help you create a three- to five-year debt repayment plan based on your income and budget. As long as you pay both the arrearage and any mortgage payments that come due during the repayment period, you will be able to keep your home. We may also be able to help you strip off second or subsequent mortgages with Chapter 13 bankruptcy.

Schedule a Free Consultation With Our Tennessee Home Mortgage Attorneys

Do you want to save your home from foreclosure or buy time so you can find another place to live? Call 901-323-3902 or contact Wages & Benham online to schedule a free consultation with one of our experienced lawyers.