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John L. McClain and Associates Attorneys at Law 215-893-9357 1-800-McClain (622-5246) (toll free) Stop Real Estate Foreclosure TAKE UP TO FIVE YEARS TO MAKE UP MISSED MORTGAGE PAYMENTS! WITH LITTLE OR NO UP FRONT LEGAL FEES, IF YOU QUALIFY, there is a way (perfectly legitimate, legal and honorable way) to stop real estate foreclosure or sheriff's sale. The U.S. Congress has passed legislation that protects you and provides for a "Chapter 13" debt repayment plan. Bankruptcy under Chapter 13 of the Bankruptcy Code is sometimes referred to as a ?wage earner plan.? Under Chapter 13, a Bankruptcy Court can help a debtor reorganize his debts and pay them off over time. Under Chapter 13, a debtor typically keeps all of his or her property. A Chapter 13 bankruptcy is available to individuals with less than $336,900.00 in unsecured debt and $1,010,650.00 in secured debt. Corporations and partnerships must use Chapter 11 to reorganize their debt. If you can't catch up on your mortgage or property taxes and if you are in jeopardy of losing your home, filing Chapter 13 can help you. In Chapter 13 you can keep your property, and you'll have up to five years to catch up on your mortgage and pay your back property taxes. Learn how you can pay your back mortgage payments and taxes over five years and KEEP YOUR HOME!