Learn more about your options regarding bankruptcy and some alternatives to bankruptcy. We also will discuss what happens after bankruptcy.

Biggest Financial Mistake — Filing Bankruptcy Because Of Collectors?

Biggest Financial Mistake — Filing Bankruptcy Because Of Collectors? Are you considering bankruptcy because you are sick of dealing with abusive debt collectors?  Take five minutes and read this article to understand why this may be one of the biggest financial mistakes you could make. Bankruptcy is a legitimate option if you have no other choice.  Sometimes our debts and income and assets just don’t add up the right way.  This is what bankruptcy is for — to get a… (Read more)

Foreclosure: Case study of family choosing between bankruptcy and suing mortgage company to stop the foreclosure

Case study of a family deciding between chapter 13 bankruptcy and suing their mortgage company Put yourself in the position of a lawyer who is meeting with a family facing the loss of their home due to foreclosure.  What will you advise them?  What are their options? Let’s walk through a hypothetical example that is repeated every day in Alabama. We will use an example of a typical family facing foreclosure who is considering filing bankruptcy.  Let’s call them Bob… (Read more)

Welcome to where you can learn how to stop your Alabama foreclosure

You are here because you are looking for ways to stop the upcoming foreclosure on your home in Alabama. This will not be a long article — instead, we encourage you to watch the video to discover more of your rights and options. (If you want to read some longer articles we suggest:  The secret that your mortgage company does not want you to know about and the critical keys to understanding if your notice of default letter is defective).… (Read more)

The Secret Your Mortgage Company Does Not Want You To Know About Regarding Stopping Foreclosures

My name is John Watts and my law firm helps Alabama consumers who are facing foreclosure to stop the foreclosure without filing bankruptcy. Join me on this short journey and I trust you will find this time well spent as you look for how to save your home from a foreclosure. The only supposed ways to stop a foreclosure in Alabama The mortgage company (whether Nationstar/Mr. Cooper or Wells Fargo or Bank of America or whoever) wants you to believe… (Read more)

For Lawyers: Why is bankruptcy usually a terrible idea to stop an Alabama foreclosure?

File bankruptcy or something else to stop a foreclosure?   This is the first in a series of articles for lawyers.  We often get calls from lawyers around the country (and the state of Alabama) and we thought it would be helpful to include some of our answers in articles. This article is specifically focused on Alabama lawyers who are advising their clients on how to stop a foreclosure.  Should you use bankruptcy as a last resort or a first… (Read more)

Is bankruptcy the only option to stop an Alabama foreclosure?

No — there are many other options to stop a foreclosure in Alabama without having to file for bankruptcy. I understand that when you are facing the loss of your home, it feels the world is closing in on you.  And your friends and family (meaning well) will tell you that your only hope is bankruptcy.  Or just let the foreclosure happen and move out. There are other options. Better options than bankruptcy. Here is a short list and then… (Read more)