Indianapolis Foreclosure Attorney

Worried About Losing Your Home?

If you are behind on your mortgage or have received foreclosure papers, it can feel like your entire life is hanging in the balance. As an Indianapolis Foreclosure Attorney, Jackson & Oglesby Law LLC helps homeowners understand their options before important deadlines pass. You do not have to guess what to do next or face the lender alone.

We are a local bankruptcy law firm that focuses on Chapter 7 and Chapter 13 cases for individuals and families. Many of our clients first come to us because they are scared of foreclosure and are not sure where to turn. We listen without judgment, explain how the law works in Indiana, and walk through realistic options for protecting your home and dealing with other debts.

Our attorneys, including Michael Jackson and Dana Oglesby, offer free bankruptcy evaluations so you can get clear information before making any decisions. We meet with clients at our offices in the Indianapolis area, by phone, or on Zoom, and we offer affordable payment plans. Our goal is to give you calm, practical guidance during a very stressful time.

If you are facing foreclosure in Indianapolis, speak with an attorney as soon as possible to review your options and protect your home. Contact our office today to schedule a consultation.

How We Help With Foreclosure

When foreclosure is looming, you need more than general advice. You need a plan that fits your income, your mortgage arrears, and your goals for your family. At Jackson & Oglesby Law LLC, we focus on consumer bankruptcy, and we use these tools to help homeowners respond to foreclosure lawsuits, sheriff’s sale dates, and demands for payment.

Our attorneys review where you are in the process, how far behind you are, and what you hope to accomplish. Some clients want to save the home at all costs. Others want time to move on without a sudden sheriff’s sale. We look at options that may include filing Chapter 7 or Chapter 13, talking with the mortgage company when possible, or helping you prepare for what happens after a sale.

Every situation is different, so we do not push a single answer. Instead, we explain how the automatic stay in bankruptcy typically affects foreclosure, how your other debts fit into the picture, and what tradeoffs come with each choice. As a foreclosure defense attorney team, our role is to give you the information you need so you can make informed decisions for your household.

Understanding Foreclosure In Indiana

Foreclosure in Indiana is usually a judicial process. That means the mortgage company typically files a lawsuit in the county court where the property is located. For homeowners in and around Indianapolis, foreclosure cases are often filed in the courts that serve Marion County and nearby counties.

After the lawsuit is filed, the homeowner is generally served with a summons and complaint. These papers can be confusing and easy to ignore, especially when you are already overwhelmed by mail and calls. Ignoring them, however, can reduce your options. If you do not respond or take other action, the lender can usually ask the court for a judgment and a sheriff’s sale of the property.

Once a judgment is entered, the court will typically schedule a sheriff’s sale date. At that sale, the property may be sold to the lender or a third party. Depending on the balance owed and the sale price, there may still be remaining debt in some situations. The exact outcome can depend on factors such as the property value, the mortgage terms, and court rulings.

If you receive foreclosure papers or a sale notice, these steps can help:

• Read the documents so you know the names on the case and any dates mentioned.
• Keep copies of letters from your lender and any court papers in one safe place.
• Do not ignore a summons. Deadlines to respond or act can be short.
• Avoid signing quick fix offers from strangers without legal advice.
• Contact a foreclosure lawyer to review your situation and discuss options, including whether bankruptcy might help.

Understanding this process is the first step toward taking back some control. We explain how Indiana courts typically handle these cases and how timing interacts with potential Chapter 7 or Chapter 13 filings, so you are not left guessing.

Bankruptcy Options To Protect Your Home

Many homeowners search for a foreclosure lawyer because they have heard that bankruptcy can stop a sale. Bankruptcy is not a magic button, but it is a powerful legal tool that can give you breathing room and, in some cases, a path to catch up on a mortgage.

Chapter 7 is often thought of as a fresh start for unsecured debts like credit cards and medical bills. When you file, the automatic stay usually goes into effect, which can temporarily pause most collection efforts, including foreclosure. For some clients, reducing other debts in Chapter 7 frees up income to deal with housing costs, although long term results with the mortgage depend on your specific facts and lender decisions.

Chapter 13 works differently. It is a repayment plan that typically lasts three to five years. Homeowners who file Chapter 13 can often use the plan to catch up on missed mortgage payments over time while also making the regular payment going forward. For many people who have steady income but fell behind because of a job loss or medical issue, Chapter 13 can be a way to keep the home while addressing other debts in an organized manner.

Our attorneys help you compare both chapters in light of your income, assets, arrears, and long term goals. We explain how each option could affect your foreclosure case, what monthly payments might look like, and what the court process generally involves. As a foreclosure defense lawyer team, our goal is not to push bankruptcy, but to help you see clearly whether it fits your situation.

Why Homeowners Choose Our Firm

Choosing someone to trust with your home and your finances is a big step. Clients choose Jackson & Oglesby Law LLC because we combine local knowledge with a compassionate approach. We are based in the Indianapolis area, and we meet clients in our offices in Indianapolis, Plainfield, Muncie, Anderson, and Greenwood, as well as by phone and Zoom. This makes it easier to get help without adding long drives or missed work to your stress.

We know that money is tight when foreclosure and other debts are stacked against you. That is why we offer free bankruptcy evaluations, flexible hours, affordable payment plans, and competitive fees. During your evaluation, we take time to listen, review your documents, and outline possible paths forward. There is no obligation to move forward with a filing if it does not feel right for you.

Jackson & Oglesby Law LLC is accredited by the Better Business Bureau and is a member of the National Association of Consumer Bankruptcy Attorneys. These affiliations reflect our commitment to ethical practice and staying informed about developments in consumer bankruptcy law that affect homeowners. As an Indianapolis Foreclosure Lawyer team, we work to provide clear explanations, written materials like our Bankruptcy 101 resources, and ongoing support throughout your case.

From your first meeting, you will work directly with our attorneys and staff, not be shuffled through a call center. We answer questions in plain language and keep you updated on important dates and filings. Our focus is always on finding a strategy that fits your life, whether that involves trying to keep the home, preparing for a sale, or creating a broader plan to tackle all of your debts.

Frequently Asked Questions

Can you still help me if a sale date is set?

We may still be able to help even if a sheriff’s sale date is scheduled. The options depend on how soon the sale is, your income, and your overall debt picture. It is important to contact us quickly so we can review your situation and explain possible next steps.

Will filing bankruptcy always stop a foreclosure?

Filing bankruptcy usually triggers an automatic stay that can pause many foreclosure actions, but it does not guarantee a long term solution in every case. Results depend on timing, prior filings, and your specific facts. We explain how the stay applies in your case and what it can and cannot do.

How much does it cost to hire your firm?

We offer free bankruptcy evaluations, so there is no charge to talk with us about your foreclosure and debt concerns. If you decide to move forward, we offer affordable payment plans and competitive fees. During your evaluation, we explain costs clearly so you know what to expect before making any commitment.

What should I bring to my free evaluation?

It helps to bring recent pay stubs, mortgage statements, any foreclosure papers or court documents, and a list of your other debts. If you do not have everything, we can still talk. We use this information to understand where you stand and to outline possible options.

Do I have to meet in person at your office?

No, you do not have to meet in person. We are happy to meet at one of our offices if that is convenient, but we also regularly meet clients by phone or Zoom. This flexibility helps you get legal guidance without extra travel or schedule hassles.

Talk With A Foreclosure Lawyer Today

Facing foreclosure is frightening, but you do not have to go through it alone or guess about your rights. A foreclosure lawyer at Jackson & Oglesby Law LLC can review where you are in the Indiana process, explain how Chapter 7 or Chapter 13 might help, and help you look at a clear plan for your next steps.

We are a local firm serving homeowners throughout the Indianapolis area, and we offer free bankruptcy evaluations, multiple office locations, and the option to meet by phone or Zoom. Your situation is unique, and a short conversation can often bring more clarity and relief than hours of searching online. When you are ready to talk with an Indianapolis Foreclosure Attorney about your options, reach out and let us help you move forward with more confidence.