Marietta Foreclosure Attorney
Your home is worth fighting for.
Why You Need Guidance From an Experienced Marietta Foreclosure Lawyer
Foreclosure is a real threat to many homeowners in Marietta, Georgia. When mortgage payments fall behind, lenders move fast. Cherney Law Firm, LLC, helps Georgia residents understand their options before it is too late.
Missing one or two payments can trigger a lender's loss mitigation process. In Georgia, lenders can move through the foreclosure process quickly — sometimes in as little as 30 to 60 days after default. That speed catches many homeowners off guard.
Losing your home affects your family, your finances, and your future in ways that take years to recover from.
But fear not. We can help you understand what Georgia law allows and what options may still be available to you. Bankruptcy, for example, may pause foreclosure proceedings through an automatic stay. Other paths — like loan modification — may help you keep your home by changing your loan terms.
The right answer depends on your situation, your income, and how far along the process is. At Cherney Law Firm, LLC, we work with homeowners across Cobb County and the Metro Atlanta area to find a real path forward before a foreclosure sale closes the door.
How Cherney Law Firm Responds to Foreclosure Threats
When your home is at risk, the firm's first move is to review your full financial picture. We look at what you owe, how far behind you are, and what your income can support right now.
From there, we map out your real options. Chapter 13 bankruptcy is often the most direct tool for stopping a foreclosure. It triggers the automatic stay — a federal protection that pauses foreclosure proceedings the moment we file. That may provide additional time to catch up on missed mortgage payments through a structured repayment plan.
If Chapter 13 is not the right fit, we explore other options.
A loan modification may help lower your monthly payment and bring your account current without filing for bankruptcy. We remain available to guide you through that process with your lender.
Some clients come to us with both mortgage debt and heavy credit card or medical bills. In those cases, Chapter 7 bankruptcy may clear unsecured debt, freeing up cash to focus on your mortgage.
Every situation is different. We weigh every option before making a recommendation. Your income, the size of your mortgage, and how close you are to a foreclosure sale all shape the plan we build. At Cherney Law Firm, LLC, we make sure the path forward fits your actual situation, not a one-size-fits-all answer.
Why Marietta Homeowners Trust Cherney Law Firm
Choosing the right Marietta foreclosure attorney can change your outcome. At Cherney Law Firm, LLC, our strengths come from real facts — not general claims.
Matthew J. Cherney — Over 15 Years in Georgia Bankruptcy Courts
Attorney Matthew J. Cherney founded the firm in 2012. Since then, he has handled many bankruptcy cases across Georgia. That is a long track record of real courtroom work. When your home is at risk, you want an attorney who knows Georgia's courts and federal bankruptcy rules well — not one who is learning on the job.
Debt Relief Only — Full Focus on Your Case
Cherney Law Firm, LLC does one thing: debt relief. No family law. No personal injury. No criminal defense. That means Matthew's full attention goes to your debt problem. You are not sharing time with other case types. That focused approach matters most when speed counts — and in foreclosure, it always does.
Cobb County and Metro Atlanta Service Area
Our main office sits at 1744 Roswell Road in Marietta. We also serve clients in Cherokee County and Fulton County. Powder Springs, Smyrna, Acworth, Roswell, and Dallas are also within our reach.
We know the local courts. We know the local rules. That local knowledge helps us move faster for you.
Free Consultations
We offer free consultations to every new client. You can talk through your situation — your mortgage, your missed payments, your options — at no cost. There is no pressure. Just clear answers. That is how we have built trust with clients across the Metro Atlanta area for over a decade.
Your Foreclosure Case in Georgia: Step by Step
Georgia uses a non-judicial foreclosure process. That means a lender can foreclose without going to court — and it can move fast. Knowing what to expect at each stage helps you act in time.
Stage 1: You Miss Payments (Weeks 1–90)
Most lenders wait until you are at least 30 to 60 days late before sending formal notices. You will get letters and calls. Now is the time to gather your loan documents and look at your options.
Stage 2: Notice of Default (Around Day 90)
Georgia law requires lenders to send a written notice before starting foreclosure. Read it right away. That notice tells you how much time you have left.
Stage 3: Foreclosure Sale Is Scheduled
Georgia foreclosure sales happen on the first Tuesday of each month at the county courthouse. In Cobb County, that is the Cobb County Superior Court. The sale date is posted publicly.
Once the sale is set, the clock is short — often just weeks away.
Stage 4: Bankruptcy Filing Can Pause the Sale
Filing for Chapter 13 bankruptcy triggers an automatic stay under federal law. The stay is designed to pause the foreclosure sale, even if the sale is days out. A Chapter 13 plan may then let you catch up on missed payments over three to five years while keeping your home.
Our firm prepares and files all court documents with the US Bankruptcy Court for the Northern District of Georgia.
Stage 5: The Repayment Plan Is Confirmed
The bankruptcy court reviews your plan at a confirmation hearing, typically held within 45 to 60 days of filing. You make monthly payments to a trustee, who pays your mortgage arrears on your behalf. Once the court confirms the plan, your foreclosure may remain paused for the life of the plan, as long as you stay current.
Stage 6: Plan Completion and Moving Forward
Chapter 13 plans last three to five years. After you complete all payments, the court issues a discharge for any remaining eligible debt. The foreclosure may not finalize if you meet all plan requirements. This means that you get to keep your home.
Each stage has hard deadlines. Missing one can cost you your house. Acting before the sale date is set gives you the most options.
Talk to a Foreclosure Attorney in Marietta Today
Your home matters. If foreclosure is getting closer, now is the time to act. At Cherney Law Firm, LLC, we offer a free consultation to help you review your options. One call can help clarify your options.
Attorney Matthew J. Cherney is ready to review your case and help you find a path forward. Do not wait until the sale date is set. Ready to get started?
Contact us now and take the first step toward protecting your home.
Frequently Asked Questions
Georgia foreclosures can move fast, but an automatic stay may still apply if you file before the sale date. Contact us right away. Even a few days can make a difference.