Salem Oregon Bankruptcy Attorney
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Stop Foreclosure

Our attorneys have experience saving homes for people in all different problems.  We can help through bankruptcy, litigation, and negotiation.  There are also other resources to help those who seek loan modifications.  Keith Karnes has lectured and written materials on this topic for the Oregon State Bar, Hope for Homeowners, and other events sponsored by government agencies in Oregon.

If you are in foreclosure due to errors by the bank or loan servicer please set up a free consultation with one of our attorneys right away.  When lenders foreclose due to errors that they have made we can help.  Examples of this are when you are current on the mortgage and the lender is foreclosing.  Or when the lender has force placed insurance when you have already insured the property.  Or when the lender pays incorrect amounts of property tax or misapplies payments during a chapter 13.  We have experience filing suit against lenders and obtaining orders from judges stopping sales in these circumstances.

If you have a mortgage that you simply cannot afford then you should speak to a HUD certified housing counselor.  To find a housing counselor who will work for free on your behalf click here:  http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

If you are facing foreclosure and you need time to catch up your payments or time to sell your home to get your equity out of the property then you can file chapter 13.  This will buy you time to catch up your missed payments or to sell the property.  One benefit is that if you have more than one mortgage and your home is worth less than the debt owed to the mortgage lender you can strip off your second mortgage.

Unfortunately, bankruptcy judges cannot modify the terms of a mortgage on your primary residence.  However, by working with our attorneys and a HUD certified housing counselor you may be able to file chapter 13 to save your home and give you the time you need to work with the counselor to modify your mortgage payment to one you can afford.

stop creditor calls
Put a stop to the creditor calls. Retain us for as little as $100 and refer your creditors to us!

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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