There are some nice programs in Chapter 13 now that there are a couple of things you can do. If your loan is in default or you haven’t made your payments over some time period and you’re about to lose your house, you can – by filing a Chapter 13, you can stay the foreclosure of your house. You’re able to pay that arrearage about back over 60 months. That’s known as a curing plan.

So, you know, essentially if you’re $10,000 behind on your mortgage payments, by paying approximately $167 a month on top of your unsecured payment in your plan, you’re able to stop that foreclosure of your house and save the house and cure the default over the life of the plan.

Again my name is Richard Ellis. We’re located at 2187 Ringling Boulevard in Sarasota. We’re down the street from the Sarasota Courthouse. I also have an office on Manatee Avenue in Bradenton. It’s 1909 Manatee Avenue. Please give us a call at 941-351-9111. Our website is also

We would be glad to help if we can.