AV Preeminent Peer Rated Attorneys
Tawas City Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
Tawas City Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Tawas City Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Bessey Law, P.A.

  • 664 Aulerich Road, East Tawas, MI 48730

Hopcroft Law PLC

  • Oscoda, MI 48750

James A. Bacarella, P.C.

  • 1228 East U.S. 23, East Tawas, MI 48730

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Looking for Bankruptcy Lawyers in Tawas City?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
100 %

3 Client Reviews

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6 Peer Reviews

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

How long will it take for the bank to evict us?

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Answered by attorney Edward M Olson (Unclaimed Profile)
Bankruptcy lawyer at Olson Law Firm
It depends. The bank is not required to evict you. They can choose not to. Or, they can try and work with you to get you to sign a new agreement. If the bank chooses to evict you, then they must give you a notice (usually taped to the door) announcing the date and time of the "sherrif sale". If the bank (on the date of the sale) thinks that there are not enough bidders, they can adjourn the sale for as long as they want. For six months (usually) you will have a "right of redemption".. that is, the right to refinance or sell your house, after the date of the sherrif sale. If you do not refinance or sell by the end of the six month period, the bank can begin "eviction" procedures. You will get a "notice to quit". You will usually have about three weeks total to move out (from the date you receive the notice to quit). Then, the sherrif will "help" you out of the house by removing your belongings and changing the locks.
It depends. The bank is not required to evict you. They can choose not to. Or, they can try and work with you to get you to sign a new agreement. If the bank chooses to evict you, then they must give you a notice (usually taped to the door) announcing the date and time of the "sherrif sale". If the bank (on the date of the sale) thinks that there are not enough bidders, they can adjourn the sale for as long as they want. For six months (usually) you will have a "right of redemption".. that is, the right to refinance or sell your house, after the date of the sherrif sale. If you do not refinance or sell by the end of the six month period, the bank can begin "eviction" procedures. You will get a "notice to quit". You will usually have about three weeks total to move out (from the date you receive the notice to quit). Then, the sherrif will "help" you out of the house by removing your belongings and changing the locks.
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Could my co-signer sign modification papers in a bankruptcy?

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Answered by attorney Lukas Richard Gleissner (Unclaimed Profile)
Bankruptcy lawyer at Gleissner Law Firm, LLC
Your co-signer would need to get approval from the Bankruptcy Court if she is still in bankruptcy. Chapter 13 bankruptcies can last up to 5 years. So, your co-signer might still be in bankruptcy. If that is the case, she needs to get bankruptcy court approval. No asset Chapter 7 bankruptcies can be completed within six months. So, it is possible that your co-signer has already received her discharge If she discharged this obligation, she may no longer be an obligor and signing the modification papers may make her liable for an obligation that she is no longer liable for. So, the answer to your question depends upon, whether the co-signer is still in bankruptcy, what type of bankruptcy she filed, and whether she has already received her discharge.
Your co-signer would need to get approval from the Bankruptcy Court if she is still in bankruptcy. Chapter 13 bankruptcies can last up to 5 years. So, your co-signer might still be in bankruptcy. If that is the case, she needs to get bankruptcy court approval. No asset Chapter 7 bankruptcies can be completed within six months. So, it is possible that your co-signer has already received her discharge If she discharged this obligation, she may no longer be an obligor and signing the modification papers may make her liable for an obligation that she is no longer liable for. So, the answer to your question depends upon, whether the co-signer is still in bankruptcy, what type of bankruptcy she filed, and whether she has already received her discharge.
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Should I continue paying for my second mortgage?

Melissa Ann Botting
Answered by attorney Melissa Ann Botting (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Melissa A. Botting
There are a couple of issues here. First. the foreclosure will go on your credit report. As to the second mortgage, is it an SBA loan or other government backed mortgage? If so, you will probably be personally liable as you signed a personal guarantee as part of the loan process. If not, that gets into why Texas does not reaffirm mortgages. Under the constitution, you are not personally liable for a mortgage on your homestead. If your reaffirmation included a personal guarantee, you may have incurred liability at that time. While I hate to say it, your problem will require that you contact an attorney to review all of your documentation to determine your liability.
There are a couple of issues here. First. the foreclosure will go on your credit report. As to the second mortgage, is it an SBA loan or other government backed mortgage? If so, you will probably be personally liable as you signed a personal guarantee as part of the loan process. If not, that gets into why Texas does not reaffirm mortgages. Under the constitution, you are not personally liable for a mortgage on your homestead. If your reaffirmation included a personal guarantee, you may have incurred liability at that time. While I hate to say it, your problem will require that you contact an attorney to review all of your documentation to determine your liability.
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