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Stopping Ohio Home Foreclosure



Stop Your Home From Being Foreclosed On


Once foreclosure paperwork is filed with the state common pleas courts you, the homeowner, will receive a letter from the court notifying you of the foreclosure complaint. It is very important that this letter be responded to within the 28 days allowed, otherwise the mortgage lender will ask the court for a default judgment noting that you have not responded to the complaint, and therefore do not object to the complaint. If you have received a notification of a foreclosure complaint, Columbus, Ohio foreclosure defense lawyer Ken Sheppard, Jr. can help you to determine the best available resolution for your situation.


Columbus, Ohio Bankruptcy Attorney preventing home from being foreclosed on through Chapter 7 & Chapter 13 bankruptcies & Foreclosure Defense


Ohio Home Foreclosure Defense

While in some cases the best defense may be to prolong the foreclosure process while you work to get back on your feet financially, there are several viable defenses against foreclosure. Some defenses may include procedural defenses, substantive defenses, and filing bankruptcy.


Filing Bankruptcy Will Immediately Stop Foreclosure Actions

Whether you are filing for chapter 13 or chapter 7 bankruptcy, the Automatic Stay provision of U.S. Bankruptcy Code immediately prohibits creditors from collection actions. Since foreclosure is a collection action, the Automatic Stay includes stopping the foreclosure of your home. Therefore, once you have filed for bankruptcy you will not have to live in fear of having your home foreclosed on.


Chapter 7 Bankruptcy to Stop Home Foreclosure

In chapter 7 cases, mortgage payments must be brought current in order to keep your home. Therefore, while filing for chapter 7 may delay repossession of your property, if you cannot bring your payments current you will still likely have to surrender your home or seek other options. If your primary interest is to keep your home, defending against foreclosure or filing chapter 13 bankruptcy are better options.


Chapter 13 Bankruptcy to Stop Home Foreclosure

For many, who wish to keep their property, filing for chapter 13 may be the most viable option if the mortgage payments cannot be brought current. Even if you are behind on your payments filing for an Ohio chapter 13 bankruptcy can allow you to keep your property if the secured debt (e.g. the mortgage) is paid as part of the chapter 13 plan.



The Columbus, Ohio Bankruptcy, Debt, and Tax Relief lawyers at Sheppard Law Offices can help to stop your home from being foreclosed. The Central Ohio law firm offers a free initial consultation where you will speak directly with an attorney. Sheppard Law helps homeowners seeking to remedy their debt situation and keep their residences from being foreclosed. Our Ohio bankruptcy lawyers review the value of the real property, along with the secured loan terms to help to determine what the best form of debt relief for your specific situation. Get the financial help you need today by calling (614) 523-3106.

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Click Here to Call the Columbus Ohio Bankruptcy Lawyers, we help those facing debt problems to file chapter 7 or chapter 13 bankruptcy FREE15 Minute Phone Bankruptcy Consultation with attorney (614) 523-3106



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Sheppard Law Offices - Columbus

Sheppard Law Offices

The Columbus, Ohio bankruptcy debt relief and taxation law office of Sheppard Law Offices, LPA is conveniently located just inside I-270 off of Cleveland Ave. Our offices provide a short drive from throughout Central Ohio including counties of Franklin, Delaware, Knox, Marion, Licking, & Fairfield. We regularly serve  Debt  & Tax needs of clients from  Columbus, Westerville, Bexley, Dublin, Sunbury, Delaware, Fredericktown, Johnstown, Centerberg, New Albany, Gahanna, Pickerington, Grandview, Upper Arlington, Clintonville, Groveport, Pickerington, Pataskala, Reynoldsburg, Groveport, Lewis Center, Worthington, Granville, the Short North, Hilliard, Plain City, Grove City, Newark, Mt. Vernon, Canal Winchester, and Lancaster.

Columbus Ohio Office

2600 Tiller Lane, Suite A

Columbus, Ohio 43231

Telephone: (614) 523-3106

Newark, Ohio Office

843 N. 21st Street, Suite 108

Newark, Ohio 43055

Telephone: (740) 345-7138

Akron-Canton Office

Belden Village Tower, 200

Canton, Ohio 44718

Telephone: (330) 409-2876

Mt. Vernon, Ohio Office

11 West Gambier Street

Mt. Vernon, Ohio 43050

Telephone: (740) 392-0404

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We are a debt relief agency. We help people file for protection under the U.S. Bankruptcy Code.