House "sold" at foreclosure auction today -- to the lender.
Thinking about filing skeletal bankruptcy within the 10-day upset bid period.
If skeletal bankruptcy is dismissed after 14 days, will another foreclosure sale date be set, or will the original sale still be valid?
Just don't do it. There are plenty of consumer bankruptcy attorneys in the Raleigh area who will give you a free consultation about a Chapter 13. Do a "skeletal" and you risk sanction and not being able to file a real Chapter 13 when you really need it. You file ven a "skeletal" under penalty of perjury. It's not worth it.
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I couldn't agree more with Ms. Coleman. Do not file a bankruptcy petition only to stall. If you want to file, do it properly and get help if needed. But filing just to stop the sale with no intention to proceed will likely be sanctioned by the court.
What you are talking about is an Emergency Bankruptcy, which will NOT enable you get your house back. Only an NC mortgage foreclosure defense and bankruptcy attorney has the expertise to prevent you from having more problems than you can possibly imagine. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation. You need to retain the best mortgage foreclosure defense and bankruptcy attorney you can afford. You should not be restricted by geographic factors. Pick the best lawyer you can find and remember one rule: a good lawyer is generally never cheap, and a cheap lawyer is generally never good so don't choose based on price. You should not be restricted by geographic factors. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
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