Tuscaloosa Foreclosure Defense Attorney

Experienced Alabama Bankruptcy Lawyer

Are you facing foreclosure? At The Law Firm of Eric M. Wilson, LLC, we can help you save your home and take back control of your finances. We focus exclusively on helping individuals in Tuscaloosa, Alabama, achieve debt relief through bankruptcy. Our experienced legal team will work with you to explore options that protect your most important assets.

Helping You Understand Your Options

If you have been served with a foreclosure notice, you may feel like you have no options to protect your home — we know that you do. Our Tuscaloosa foreclosure defense lawyer takes the time to listen to your concerns and goals. After analyzing your unique situation, he will help you understand what actions to take in order to protect what matters most to you.

For example, filing either Chapter 7 or Chapter 13 bankruptcy will stop foreclosure proceedings, giving you time to consider your options. If keeping the property is important to you, we will make sure the bank proves its case by verifying that it:

  • Did not overcharge you on monthly payments
  • Did not miscalculate your interest rate
  • Credited all payments received to your particular account
  • Complied with statutory guidelines for notifying you of its intent to foreclose
  • Gave you the required opportunity to reaffirm your mortgage

In a Chapter 13 bankruptcy, you can also include past-due payments in your plan. However, you must continue to make current monthly payments throughout the payment period in order to keep the house. You can also strip off a second mortgage in Chapter 13 under certain circumstances.

If you are not far behind on your payments, bankruptcy might not be your best option. Our attorney will help you explore alternative options such as refinancing or obtaining a loan modification. If you would rather let go of the property, we can help you negotiate a short sale or deed in lieu of foreclosure.

We understand that debt problems can happen to anyone. Perhaps you lost your job, experienced a difficult divorce or suffered a medical calamity. We seek to help you protect your investments and obtain a fresh financial start through bankruptcy.

If you are facing foreclosure, we can help you understand your rights and options to avoid losing your home. Contact us for a free initial consultation to discuss your concerns and ultimate goals. Call 205-409-0056 or toll free at 877-504-7101.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.