Foreclosure
A sale date on the house is not the end of it
Even with the auction days away, a bankruptcy filing pauses the sale while the court is involved.
A Chapter 13 plan then lets you pay back the missed payments over three to five years, while you keep making the regular ones. If keeping the house no longer makes sense, we’ll say so, and help you leave on a timeline you choose.
The sooner you call, the more choices you have. Send us the notice with the sale date when you book.
What we look at first
The sale date and who holds the loan
How far behind the payments are
What the house is worth against what’s owed
Whether a loan modification is still possible
Three ways it can go
Keep it, change the loan, or leave on your terms
Ask the lender to modify
Sometimes a new payment beats a plan. We help you apply and check the offer.
Leave with time to plan
If the house costs more than it’s worth, Chapter 7 can erase what’s left on the loan.
Chapter 7
About saving the house
The sale is tomorrow. Is it too late?
Call now. An emergency filing can often be made the same day, with the rest of the paperwork following within two weeks.
Do I have to keep paying the mortgage?
Yes, the regular monthly payment starts again right away. The plan only handles the payments you already missed.
Is the foreclosure work a separate fee?
No. It’s part of the Chapter 13 flat fee. An emergency filing doesn’t cost extra.
Send us the notice with the sale date
We’ll read it with you on a free video call and tell you how much time you have.