Fernandina, FL Bankruptcy Law Firms & Lawyers

I wouldn't even consider filing for bankruptcy until you incur all possible hospital bills and are back at work. Your physical health is more important than anything. Take care of you first, then contact an experienced bankruptcy attorney.

Yes you can file a chapter 13 bankruptcy, but you have to find out if that is the best thing to do first. Consult with a bankruptcy attorney in your area. Before you file, you have to get a certificate from a consumer credit counseling agency who is approved by the bankruptcy court, Once you file a bankruptcy, the bank would need to have the automatic stay lifted in order to either file or proceed with a foreclosure. You may not want to file a chapter 13, and may qualify to file a chapter 7. Find out which chapter is best for you. You see, a bankruptcy may not be best for you, you need competent advice.

You need to start educating yourself about bankruptcy. You also need to look into social security disability benefits. How long you stay in the home after making no payments is largely amourphous. Some people have not made mortgage payments for years and are still in their homes. Others get foreclosed within a year or so. It depends upon the bank. You may also want to look into modifying your mortgage. The main thing to concentrate on is getting some sort of income, and you may qualify for disability, as well as supplemental security income. Look into both. Hire an attorney to represent you.