Co-founded by Emory L. Clark in 1983, Clark & Washington has grown to be one of the largest filers of bankruptcies in the Southeastern United States. With convenient office locations in Florida, Georgia, and Tennessee, Clark & Washington provides counsel and support to individuals facing trying financial times. We focus exclusively on personal bankruptcy work in chapter 13 and chapter 7 cases.
Our friendly, professional staff and attorneys have the knowledge and experience to answer your questions and to help you avoid any potential pitfalls in the bankruptcy process. Since our inception, we have striven to help as many people as possible achieve a brighter financial future. This is evident in our lawyers' strong presence in various community organizations and in our large pro bono case load.
We are thankful for the opportunity to provide much needed assistance to those community members who are unable to obtain it for themselves. Smart choices today can help you realize the future you deserve.
Our friendly, professional staff and attorneys have the knowledge and experience to answer your questions and to help you avoid any potential pitfalls in the bankruptcy process. Since our inception, we have striven to help as many people as possible achieve a brighter financial future. This is evident in our lawyers' strong presence in various community organizations and in our large pro bono case load.
We are thankful for the opportunity to provide much needed assistance to those community members who are unable to obtain it for themselves. Smart choices today can help you realize the future you deserve.
Services
Bankruptcy can be a complicated process, but experienced Tampa bankruptcy law firm Clark & Washington, P.C. make this difficult time as hassle-free as possible for your and your family.
We understand what you're going through, and want to help however we can.
In most bankruptcy cases, the chronology of events is generally the same.
Our process is finely tuned to insure that you not only have all the information you need before filing, but that you are involved and comfortable every step of the way.
We understand what you're going through, and want to help however we can.
In most bankruptcy cases, the chronology of events is generally the same.
Our process is finely tuned to insure that you not only have all the information you need before filing, but that you are involved and comfortable every step of the way.
At Clark & Washington, personal bankruptcy is our only practice.
For more than 25 years, we have concentrated on chapter 7, the chapter of the Bankruptcy Code that provides for the sale of a debtor's nonexempt property and the distribution of the proceeds to creditors, and chapter 13, the chapter that allows an individual with regular income to keep property and repay debts over time-usually three to five years.
From your initial consultation to your final court hearing, Clark & Washington will provide legal services tailored to your unique financial situation and will thoroughly explain every step of the process along the way.
For more than 25 years, we have concentrated on chapter 7, the chapter of the Bankruptcy Code that provides for the sale of a debtor's nonexempt property and the distribution of the proceeds to creditors, and chapter 13, the chapter that allows an individual with regular income to keep property and repay debts over time-usually three to five years.
From your initial consultation to your final court hearing, Clark & Washington will provide legal services tailored to your unique financial situation and will thoroughly explain every step of the process along the way.
Once my Mortgage Lender Starts the Foreclosure Process, Can I Stop It Without Having to File Chapter 13 Bankruptcy?
Florida foreclosure proceedings are non-judicial in nature.
This means that your lender can institute foreclosure proceedings that will result in the sale of your home on the courthouse steps, all without having to go to court.
The foreclosure process begins with a "default."
Under the terms of your home loan, you agree to make regular payments (usually every month).
Your loan most likely also provides that if you miss a payment, your loan is considered "delinquent."
Florida foreclosure proceedings are non-judicial in nature.
This means that your lender can institute foreclosure proceedings that will result in the sale of your home on the courthouse steps, all without having to go to court.
The foreclosure process begins with a "default."
Under the terms of your home loan, you agree to make regular payments (usually every month).
Your loan most likely also provides that if you miss a payment, your loan is considered "delinquent."
How Many Payment Behind Must I be Before the Mortgage Company Starts the Foreclosure Process?
We often receive calls from potential clients who want to know how far behind they must be before their mortgage company will start a foreclosure.
The answer to this question is "it depends."
Technically, your mortgage company could start foreclosure the day after your "late payment date, " which is usually 10 or 15 days after the on-time due date.
As a practical matter, however, most mortgage companies will not start the foreclosure process until you are at least three months past due.
We often receive calls from potential clients who want to know how far behind they must be before their mortgage company will start a foreclosure.
The answer to this question is "it depends."
Technically, your mortgage company could start foreclosure the day after your "late payment date, " which is usually 10 or 15 days after the on-time due date.
As a practical matter, however, most mortgage companies will not start the foreclosure process until you are at least three months past due.
Chapter 7 Tampa bankruptcy allows you to walk away from a mortgage you cannot afford.
Chapter 7 will also temporarily stop a foreclosure and give you time to find a new place to live.
Chapter 7 is a liquidation rather than a reorganization of debt.
There is no payment plan and there is no payment plan to catch up and repay missed mortgage payments.
In other words, if you are behind on your mortgage and you file Chapter 7 bankruptcy in Tampa, you will most likely need to surrender your home.
When you file a Chapter 7 debt liquidation, you can stop a pending foreclosure for a few weeks to a few months.
Chapter 7 will also temporarily stop a foreclosure and give you time to find a new place to live.
Chapter 7 is a liquidation rather than a reorganization of debt.
There is no payment plan and there is no payment plan to catch up and repay missed mortgage payments.
In other words, if you are behind on your mortgage and you file Chapter 7 bankruptcy in Tampa, you will most likely need to surrender your home.
When you file a Chapter 7 debt liquidation, you can stop a pending foreclosure for a few weeks to a few months.
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