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Bankruptcy Editorial – January 26, 2011

Chapter 13 bankruptcy is the chosen form for homeowners seeking to delay a foreclosure, as it grants them immediate protection from collection activity by creditors, and gives them time to assess whether they can afford to hold on to their home, according to the Atlanta Journal-Constitution. Under the three-to-five-year plan organized under a Chapter 13 filing, homeowners may get a second chance to make the necessary payments on their home.

The average homeowner in foreclosure was found to be 507 days behind on his mortgage payments.

Carolyn Secor is a Clearwater bankruptcy attorney and Clearwater foreclosure attorney serving Palm Harbor, New Port Richey, Oldsmar, Tarpon Springs, Seminole, St. Petersburg, and the Tampa Bay area.

If you would like more information on our practice, please consult our website at