Hernando County, FL Bankruptcy Law Firms & Lawyers

The filing fee to file for bankruptcy is currently $306. You can file for Chapter 7 if there is no assets that the creditors can seize or you can file for Chapter 13 if you want to keep possession and pay your creditors over 3-5 years.

I'm not sure why your house would be deemed abandoned if you are behind on just one mortgage paymentno matter where you live at the moment.? It is still your house, and I don't see why you couldn't rent it out to another family and maybe pay the mortgage that way if you're having trouble making the payments. The lender isn't likely to start foreclosure proceedings after just one month, and you might even be able to get a little breather once you are two or three months behind by letting the lender know you are working on ways to get caught up, or at least stay current if you can get a few months' extension. If you are in bad financial straits and think you may need bankruptcy help, make an appointment with a local bankruptcy attorney (many will give a 30-minute consultation for free) and take with you your deed, your vehicle registrations, your last two years' tax returns, last two or three pay stubs, most recent statements / invoices / demand letters from everyone you owe money to, a list of your assets, and a list of your ordinary monthly expenses. The attorney should be able to size up your situation and give you an answer whether bankruptcy will help you, what to expect, and how much it will cost. He or she also should be able to give you advice about the "abandoned" house. Good luck.

You really need to work with a competent bankruptcy attorney. If you cannot afford one you might check with the County or State Bar Associations, or the Bankruptcy Court to determine if there is a volunteer lawyer's program. If you live in Arizona there is just such a program at the Arizona Bankruptcy Court. I need a lot more information to advise you about your current situation. Do your best to try to work with the trustee to cure the plan payments. Meanwhile try to find an attorney.