Cassadaga, FL Bankruptcy Law Firms & Lawyers

The Court aspect of this sounds like a scam that I hear about fairly frequently, usually connected to a payday loan, but usually from some bogus entity other than the payday loan company. In Kansas, and every other state I'm aware of, notification of hearings is done by written summons delivered to the defendant. If you want some peace of mind regarding the Court aspect, call the payday loan company to verify that this entity you're hearing from is bogus and/or call the local Courthouse to verify that there are no pending cases against you. You may however need to settle this debt at some point.

The following assumes you are an Arizona resident dealing with Arizona property. You can file a chapter 13 on your own. If you want to keep the house you can make arrangements to cure any arrears in your chapter 13 case. You can also surrender the house if you like. This will not mean you name is off the title until a trustee's sale (foreclosure) is completed. I recommend you talk to a competent bankruptcy attorney. Most consumer attorneys offer free consultations.

As long as you continue to pay the mortgage on the house, the mortgage company cannot take your house away. I would suggest that you check your credit report & FICO score 3 or 4 times a year for the next two years. It is very likely that the mortgage company will report on your credit that the debt is in bankruptcy, which is true. Should the mortgage company report by mistake that you are in bankruptcy, you should immediately dispute this claim. By checking your credit score with FICO (the only company that creditors use when making a decision whether to lend to you), you can see if any misinformation has harmed you and get to work to correct it.