What we handle
Foreclosure: time to keep the house
A foreclosure notice starts a clock. Filing bankruptcy before the sheriff's sale stops it, and gives you room to catch up through a Chapter 13 plan or to sell on your own terms.
Bring the notice to your first meeting. The date on it decides what we do first.
With us, it includes
A read of your notice and your dates
A filing before the sale, when that's the answer
Talks with your lender about a loan change
A plan to catch up on missed payments
Good to know
Your options, plainly
Catch up
A Chapter 13 plan spreads what you're behind over up to five years.
Change the loan
Some lenders will lower the payment or add missed payments to the end of the loan.
Sell on your terms
If keeping the house won't work, a sale you control can save the equity you've built.
Questions about foreclosure
Is it too late?
Not until the sale. And sometimes not even then: call us the day you get the notice, or the day you find it.
Will I owe money after a sale?
Sometimes a lender can come after a shortfall. Bankruptcy can usually clear it.
Do I need to leave the house now?
No. You can stay until a court says otherwise, and we'll tell you how long that is in your case.
Bring us your notice
Your first meeting is free, and you'll leave knowing your price.