Northeast Alabama Foreclosure Defense Lawyers

Millions in Debt Resolved Throughout Calhoun, Talladega, Etowah, Marshall, Dekalb, Cleburne, Clay, St. Clair & Cherokee Counties.

At Cobb Law Firm, LLC, our clients are our priority. We understand the difficult times you and your family must be facing as your home hangs in the balance. Let us protect your home from foreclosure, your vehicle from repossession, and propose a repayment plan to help you out of your debt. We are personally committed to helping every person that needs us. Let us deal with the legal matter while you focus on your family.

Schedule a free consultation with us by calling (256) 733-6102. We offer honest, straightforward advice to cut through confusing legal jargon.

Using Chapter 7 or Chapter 13 to Stop Foreclosure

Both Chapter 7 and Chapter 13 bankruptcy offer debtors options for combatting foreclosure notices. Chapter 7 filers may be able to keep their home if they are current with their mortgage payments and have little equity. Chapter 7 may also delay the foreclosure for a brief period. 

In Chapter 13 bankruptcy, the debtor pays all or part of their debts through a repayment plan, which largely allows them to retain their property and home because of their commitment to repaying their debts. Those behind on mortgage payments and who want to keep their home may seek Chapter 13 to defend against foreclosure, as it will grant them the time they need to get current on payments.