Sewaren, NJ Bankruptcy Law Firms & Lawyers

If you are behind on your mortgage payments and can't bring the loan current, chapter 7 may only delay the foreclosure sale. You can later convert to chapter 13 to bring the mortgage current (if you can come with a feasible plan). You might consider just filing the chapter 13 instead of a 7. Chapter 13 can stop a foreclosure sale, but there may be details that you haven't provided that would result in a sale only being delayed. Generally, you do not go to court when you file bankruptcy. You will go the "meeting of creditors" which does not involve a judge. That happens about a month after your case is filed. The foreclosure sale date (if the lender gets the court to lift the automatic stay) is not related to the meeting of creditors date. Your best bet would be to talk to an attorney about the specifics of your situation. Most offer free consultations and you'll leave with a better idea of how bankruptcy may be able to help you.

You certainly can sue the non profit for the debt owed. The big problem is that you can get a judgment that is worthless. Maybe one of the officers ordered the items and you can sue that person.