Salem Oregon Bankruptcy Attorney
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Foreclosure Defense

We have many options to save your home from foreclosure, including loan modifications, wrongful foreclosure litigation, and Chapter 13 bankruptcy. If your lender has engaged in illegal conduct and is foreclosing we can file suit against your lender and ask a judge to stop the foreclosure. We have experience filing suit against lenders whose foreclosure attempts are based on errors they have made, such as:

  • Lender is foreclosing when you are current on mortgage
  • Lender has force placed insurance when you have already insured the property
  • Lender pays incorrect amounts of property tax
  • Lender misapplies payments during a Chapter 13 bankruptcy

Do to current legal developments, many foreclosures are now being filed with the courts. If you need help defending yourself against a foreclosure action filed in court, we can help. Keith Karnes has been a featured speaker and author of materials on this topic for the Oregon State Bar, Hope for Homeowners programs, and other events sponsored by government agencies in Oregon.

Foreclosure Help Through Chapter 13 Bankruptcy

Filing a Chapter 13 bankruptcy can allow you to catch up on missed payments and avoid a foreclosure, or buy you the time you need sell your home and get your equity out of the property. One benefit in particular is that if you have more than one mortgage and your home is worth less than the debt owed to the mortgage lender, you may be able to strip off your second mortgage in a Chapter 13 proceeding. For more about Chapter 13 click here.

Loan Modification and Foreclosure Defense

If you have a mortgage that you simply cannot afford, you may wish to get in touch with a HUD-certified housing counselor who can work with you for free to modify your mortgage payment to one you can afford. For professional assistance in negotiating a loan modification with your lender, defending against a wrongful foreclosure, or seeking relief through Chapter 13 bankruptcy, contact Keith Karnes.

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Legal Options

Chapter
7
Foreclosure
Defense
Chapter
13
Loan
Workouts
Chapter
11
Tax
Defense
Chapter
12
Consumer
Litigation
We will help you choose
your best option

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Client Reviews

  • Appreciated The Time and Effort

    We have really appreciated the time and effort that Keith has put in on our behalf in resolving more then a few lawsuits! He is a hard worker and has our best interest in mind when helping our family, and business! Thanks to him, we've been able to stay in our house! We are very grateful!...

  • Thoughtful, Helpful and Professional

    We found Keith Karnes to be extremely thoughtful, helpful, and professional. He helped resolve what could have been a very difficult situation, efficiently and swiftly, and he provided us with the results we were looking for....

  • Quickly Produced Ideal Resolution

    Keith Karnes is a proficient, intelligent and trustworthy attorney. He was able to help my husband with a contract dispute and an unfair debt collection. He quickly produced an ideal resolution in each case. Keith addresses concerns and helps his clients achieve the best case scenario. He would be the first person we would hire should we need legal counsel in the future....

  • Caring, Confidential, Comprehensive

    Keith Karnes is caring, confidential, and comprehensive. He took care of my case quickly and efficiently. I highly recommend him!...

 

   

We are a debt relief agency. We help people file for bankruptcy.

Keith Karnes Law Offices, P.C., 2701 12th St. SE, Salem, Oregon 97302

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