Attorney Andrea Wimmer. Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor. While in private practice, Andrea handled Take our screener to see if Upsolve is right for you. Upsolve is a c 3 nonprofit that started in Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app.
Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U. To learn more, read why we started Upsolve in , our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal. Free Articles. Bankruptcy Tool. Filing Guide. In a Nutshell In response to the COVID pandemic, both federal and state foreclosure moratoriums have aided homeowners who are at risk of foreclosure.
Written By:. The Upsolve Team Upsolve is fortunate to have a remarkable team of bankruptcy attorneys, as well as finance and consumer rights professionals, as contributing writers to help us keep our content up to date, informative, and helpful to everyone. Attorney Andrea Wimmer Twitter LinkedIn Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor.
Continue reading and learning! Should I File Chapter 7 Bankruptcy? By the Upsolve Team. Chapter 7 vs. Assistance is structured as a grant that you don't have to repay. In most cases, funds from the program will be distributed directly to your mortgage servicer. To apply for help from this program, go to the Louisiana Homeowner Assistance Fund website.
You'll need to create an account and answer a few pre-screening questions. Once you've registered, you can fill out and submit an application. You'll need to provide some documentation with your application, like a government-issued ID such as a driver's license. You might also have to submit mortgage statements, pay stubs, wage statements such as a W-2 form, IRS Form s, and tax filings.
For a full list of the documents you need, go here. Your case manager will contact you via the application portal to get any additional documentation required to complete the process.
Another common mistake is to underestimate the seriousness of delinquency. In some states, such as California, the time line from one missed payment to foreclosure is typically only four months. Borrowers should look for help before they miss a single payment, when help is easier to provide and more options are available. Andrew Latham is a seasoned copywriter for both print and online publishers. He has a Bachelor of Science, majoring in English, a diploma in linguistics and a special interest in finance, science, languages and travel.
He is the owner of LanguageVox. By Andrew Latham. Related Articles. Education Knowing what mortgage assistance programs are available to you, how to apply for them, how to negotiate terms with your lender and the effects of foreclosure avoidance methods can mean the difference between losing your home and saving it. Legal Aid Foreclosures are complicated legal procedures.
Or find a government certified housing counselor near you. Read more about foreclosure scams and find phone numbers to call for help. Learn about your legitimate government-approved mortgage and foreclosure help options. Also be aware of these tricks that scammers use:. Refinancing your mortgage allows you to pay off your existing mortgage and take out a new mortgage on new terms. You may want to refinance your mortgage to take advantage of lower interest rates, to change your type of mortgage, or for other reasons.
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