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Home Foreclosure Defense Lawyer in Charlotte

It has been said that owning a home is the backbone of the family. Despite recent setbacks in property values, home ownership continues to be the single greatest way for a working-class family to build long-term financial stability. Losing the house to foreclosure can disrupt the foundation of the family as well as the loss of a lifetime of dreams.

If you are facing foreclosure of your home in Mecklenburg County or the surrounding counties in the Charlotte metropolitan area, you can rely on Blossom Law PLLC for help.

Skilled Foreclosure Defense Lawyer Serving Mecklenburg County & All of North Carolina

I am Attorney Rashad Blossom. I am the son of working-class parents who did everything they could to keep a roof over our heads. Perhaps like you, there were many months in which my parents had to make the tough choice between paying the mortgage or keeping the credit card companies off their backs. Losing our house to foreclosure would have been devastating to us.

For many years, I worked at big law firms. However, I decided that I wanted better access to help people who really needed it. That is why I opened Blossom Law PLLC. A major part of my legal practice is bankruptcy law counsel. Particularly, bankruptcy and mortgages. If you and your family are facing foreclose or losing your home, it is imperative that you seek my legal counsel as soon as possible

I Work Hard to Stop Foreclosures in North Carolina

I opened Blossom Law PLLC because I want to help people avoid the worst consequences of debt problems. Trying to fight against a national bank or mortgage lender with its lawyer is almost impossible without qualified, experienced legal help on your side. I offer free initial bankruptcy consultations to review your circumstances and find options for helping you remain in your home. Through Chapter 7 or Chapter 13 bankruptcy, working out an arrangement with the bank or helping you with other strategies, I can often find ways to help keep your family where it belongs — in your own home.

Many people call me to ask, “can I save my house after foreclosure has started?” I am happy to answer that in most cases, the answer is yes. Filing bankruptcy to eliminate or restructure your other debt will place an automatic stay (stop) on all collections actions your lender has started against you. For debt relief and mortgage defense services, I offer reasonable fees based on a fair retainer and honest billing policies.

Call (704) 271-9078 or use my convenient contact form to request a return call.

Bankruptcy & Mortgage

One of the number one reasons a family can run into financial trouble is their home mortgage payments. Getting behind in mortgage payments is a slippery slope. Unfortunately, for some families, it is a slope they are not able to get back up without the help of a Charlotte bankruptcy lawyer.

What Chapter 7 & Chapter 13 Bankruptcy Can Do for Mortgage Issues

There are two major types of bankruptcy: Chapter 7 and Chapter 13. You may have heard of these filings before. They each have different qualifications, eligibility, and potential outcomes when it comes to getting financial relief.

Let’s start with what is similar. Both Chapter 7 and Chapter 13 bankruptcy would put what is called an “automatic stay” on home foreclosure and other financial proceedings. What this means is that the moment you file for bankruptcy, all creditors, lenders, debt collectors, and other parties must stop any further action. This includes trying to contact you. While this stay is not permanent, it can provide temporary relief to get your finances in order.

In addition:

  • A Chapter 7 bankruptcy filing can discharge almost all debt. However, there are certain exceptions to this and this includes nonexempt debt. What this means if a part of your home mortgage is nonexempt debt, that means the lender could still foreclose on your property. Every situation is different so it is very important to consult with a skilled bankruptcy lawyer.
  • A Chapter 13 bankruptcy filing does not discharge all debt. Instead, it gives a person the opportunity to organize their debt into a three to five-year repayment plan. For most people, this means they can keep their home. Again, every situation is unique and you should take this as general information. For actual legal advice, talk to a bankruptcy attorney in Charlotte.

Schedule Your Free Initial Consultation

I encourage you to reach out to me online as soon as possible to discuss your bankruptcy and mortgage options during a free initial consultation. From offices in Charlotte, I represent individuals and families in communities throughout Mecklenburg County and the surrounding counties. Call (704) 271-9078 today.

Blossom Law PLLC is a debt relief agency. The firm helps people file for bankruptcy relief under the U.S. Bankruptcy Code.

Hear Our Clients' Stories

  • “He worked with me every step of the way and continued to check in on me throughout the process. He made the whole thing painless and easy.”

    Michael

  • “My on boarding experience was excellent resulting in a very comprehensive review.”

    Anonymous

  • “He took care of everything, and I now have no more tax debt. He was the best to deal with!! Thank you, Mr. Blossom!!”

    Martha

  • “He responds to emails in a timely manner (day or night) and his fees are reasonable. He sends me any questions or communications from the Trustee or court as soon as he receives it. I really appreciate someone who works with you. ”

    Anonymous

  • “He answered all my with questions and eased my concerns. I never had to leave him messages and wait for a long time to hear from him. He was timely and genuinely concerned.”

    Tiffany

  • “The firm remained responsive as issues arose and always returned calls promptly. I sincerely recommend the firm for anyone facing this type of decision.”

    Anonymous

  • “Rashad was very thorough in handling my bankruptcy. He was very informative in handling my case.”

    Trasina