The Automatic Stay
Your mortgage lender is a dog. Not a nice dog. Filing bankruptcy tells the dog to stay and not chase you or bite you and your family by taking your home.
Disregard all of the vultures who want to profit off of your misfortune. You won't get a letter from us in the mail telling you to come see us. Our job is to give you the advice so you can make the best choices for your and your family about how best to save your home.
Bankruptcy can give you the time you need to catch up on your back payments and stop other creditors from breathing down your neck while you do it.