If you live in Sicklerville and you are behind on your mortgage, a Chapter 13 bankruptcy filed before the sheriff sale stops the sale and lets you catch up the missed payments over three to five years while you keep the house. Daniel Reinganum has filed consumer bankruptcy cases for more than fifteen years and handles every case personally, from the first meeting through discharge.
Behind on the mortgage
Many of the calls we get are about a mortgage. A few missed payments turn into a foreclosure complaint, then a judgment, then a sheriff sale date from the Camden County Sheriff’s Office. Chapter 13 puts the arrears into a repayment plan of up to five years and requires the lender to accept it. You resume regular payments, the plan catches up the past-due amount, and the foreclosure ends when the plan is complete. The filing has to happen before the sale. If you have a sale date, call now.
Credit cards, medical bills, personal loans, and judgments are handled just as readily. Chapter 7 wipes them out in about four months, and Chapter 13 can fold them into the same plan that saves the house. Most clients keep their house, their car, and their retirement accounts under the federal exemptions either way.
Where your case is filed
Sicklerville sits in Gloucester Township and Winslow Township, both in Camden County. Camden County cases are filed in the United States Bankruptcy Court for the District of New Jersey in Camden. Your meeting of creditors, the one required appearance in most cases, is held on Zoom and takes about ten minutes. Daniel attends it with you.
The first meeting
The consultation is free and happens at our office, 615 White Horse Pike in Haddon Heights, fifteen minutes from Sicklerville. Bring recent pay stubs, your last tax return, and any foreclosure papers or sheriff sale notice you’ve received. If you don’t have everything, come anyway.
Questions clients ask
Can Chapter 13 stop a sheriff sale that’s already scheduled?
Yes, if the case is filed before the sale takes place. The automatic stay halts the sale the moment the case is filed.
How far behind can I be and still save the house?
There is no fixed limit. The question is whether your income can cover the regular mortgage payment plus a share of the arrears over the plan term.
Will I lose my house in Gloucester Township or Winslow?
Usually not. The federal homestead exemption protects equity for most filers, and Chapter 13 keeps the house even when equity exceeds the exemption.
How much does it cost?
The consultation is free. Chapter 13 attorney fees are largely paid through the plan rather than up front.
Do I have to go to court in Camden?
Nearly every consumer case involves one short Zoom meeting with the trustee, not a judge.
Call 856-548-5440 or use the contact form to schedule a free consultation at our Haddon Heights office.