You've never missed a mortgage payment:
A bankruptcy can discharge your unsecured debt allowing you to keep making your payments. As long as you continue to make your payments, you’ll be safe in your home.
You've missed payments:
You'll have to make up the missing payments. However, you can put your arrearages into a Chapter 13 bankruptcy plan and stretch them over three to five years. (Whether it's three or five years depends on your income and circumstances).
You've got options through bankruptcy:
If you have a second mortgage and your home is worth less than you owe on your first mortgage, we can strip your second mortgage.
However, home prices in Colorado are climbing. You need to act fast.
Circle Law can help you review your financial circumstances and determine whether bankruptcy may be an option for you. Contact Circle Law.