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Bankruptcy Stop Foreclosure

Can Bankruptcy Stop Foreclosure?

Using Bankruptcy to Avoid or Delay Foreclosure

One of the weapons against foreclosure is another type of litigation: bankruptcy. Filing for bankruptcy to avoid or delay foreclosure on your home has both advantages and disadvantages.

The Law Office of Kevin F. Jursinski helps its clients weigh and balance the advantages and disadvantages to bankruptcy and determine if bankruptcy is the right choice for you to avoid foreclosure. Meet with our firm for Fort Myers foreclosure assistance.

Foreclosure Prevention

Here are some basics about Chapter 7 and Chapter 13 bankruptcy and their effect on foreclosure: The effect of the automatic stay in bankruptcy actions

When you file for bankruptcy under either Chapter 7 or Chapter 13, the Bankruptcy Court issues an automatic stay, which requires that your creditors cease their collection actions immediately. At the very least, the automatic stay delays your foreclosure action.

Chapter 7 bankruptcy

Chapter 7 bankruptcy cancels the debt that is secured by your home, including your mortgage, your second mortgage, and home equity loans. Nonetheless, it does not remove the lien that was recorded against your home. As a result, Chapter 7 bankruptcy cannot cancel a foreclosure.

Chapter 13 bankruptcy

Chapter 13 bankruptcy allows you to pay off your arrears on your mortgage over the length of your repayment plan. If you keep up your payments, you will avoid foreclosure..

For a Chapter 13 bankruptcy to work, you need enough income to at least meet your current mortgage payment at the same time that you are paying off your late payments.

Let our experienced foreclosure lawyers help you sort through the advantages and disadvantages of using bankruptcy to avoid foreclosure. Contact us for an initial consultation about your foreclosure matter and/or the possibility of bankruptcy.

Call 1-877 291-3926 for foreclosure assistance.

Kevin F. Jursinski, B.C.S. Attorney Photo
Kevin F. Jursinski, B.C.S.
Principal Attorney

Kevin F. Jursinski is recognized by the objective rating services of Martindale Hubbell as one of Southwest Florida's premier attorneys. He has concentrated more than 35 years of practice in the area of real estate, business and construction law in Naples and Fort Myers.

Kara Jursinski Murphy, LL.M., B.C.S. Attorney Photo
Kara Jursinski Murphy, LL.M., B.C.S.

Firm Partner, Kara Jursinski Murphy, focuses her area of practice on Real Estate Litigation, Business Litigation and Real Estate and Business Transactional Law. Kara has earned the highly-esteemed designation of Board Certified Specialist (B.C.S.) and Expert in Real Estate by the Florida Bar.   This certification recognizes attorneys who have special knowledge, skills and proficiency in various areas of law, including Real Estate, and professionalism and ethics in practice... 

Michelle "Micki" Hurvitz, Esq. Attorney Photo
Michelle "Micki" Hurvitz, Esq.
Associate Attorney

Associate Attorney, Michelle “Micki” Hurvitz, practices in the areas of Real Estate Litigation and Business Litigation.

William  R.  Murphy, Esq. Attorney Photo
William R. Murphy, Esq.
Associate Attorney

William Ryan Murphy focuses his practice in the areas of Real Estate, Business and Construction Law.

  • My sister and I did a long distance purchase of a condo in Florida in June 2018 and we used the KFJLaw office to handle the details. From the first phone call to picking up the keys, their staff were always friendly and helpful.

    - Julie

    Disclaimer as per, Florida Bar Rule 4-7.13 (b)(8): Testimonials are the actual experience of real clients, but prospective clients may not obtain the same or similar results.

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  • Kevin and his associate Janine Decker did a great job in helping me close a property in SWFL. They were always available to answer my questions. I definitely recommend them.

    - Katherine

    Disclaimer as per, Florida Bar Rule 4-7.13 (b)(8): Testimonials are the actual experience of real clients, but prospective clients may not obtain the same or similar results.

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  • Kevin was my Attorney when I lived in Fort Myers and even after I moved To Denver he wrapped up my Florida deals with extreme professionalism. I am glad to see he is still doing the outstanding job he has always done.

    - David

    Disclaimer as per, Florida Bar Rule 4-7.13 (b)(8): Testimonials are the actual experience of real clients, but prospective clients may not obtain the same or similar results.

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