Principal Residence Saved from Foreclosure Through Chapter 13

Represented an individual debtor in a Chapter 13 case (Case No. 23-90509) filed October 31, 2023 in the U.S. Bankruptcy Court for the Eastern District of California to stay a pending foreclosure on her primary residence. The automatic stay under 11 U.S.C. § 362(a) halted the foreclosure at filing, and the firm then negotiated and obtained confirmation of a Chapter 13 plan on June 7, 2024 that reorganized the debtor’s secured debt — preserving the mortgage while curing arrears over the life of the plan — and provided a 2% dividend to general unsecured creditors.

Result: Foreclosure stopped by automatic stay; Chapter 13 plan confirmed (June 7, 2024) reorganizing secured debt with 2% dividend to unsecured creditors; principal residence saved

U.S. Bankruptcy Court, Eastern District of California

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