Your Home Is Worth Fighting For

How Bankruptcy Can Stop Foreclosure

If you're behind on mortgage payments, facing foreclosure can feel terrifying. The right bankruptcy strategy may help you save your home—or at least give you time to plan your next move with dignity and control.

Protect Your Income

Stopping Foreclosure Starts Here

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Review Your Situation Fast

We dig into the details quickly to figure out if Chapter 13, Chapter 7, or another legal strategy makes sense for you.

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Catch Up on Payments
If Chapter 13 is the right fit, we’ll help you create a repayment plan that allows you to keep your home and cure your mortgage arrears.

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Trigger the Automatic Stay

Filing bankruptcy can immediately stop foreclosure proceedings, giving you critical breathing room while we explore options.

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Negotiate When Possible

Sometimes bankruptcy isn’t the only answer. We also negotiate with lenders for loan modifications or extensions when possible.

Foreclosure Isn’t the End

How Filing Can Help You Stay Put

Bankruptcy doesn't always mean losing everything. Filing for Chapter 13 or Chapter 7 can stop foreclosure immediately and give you time to reorganize finances or pursue loan modifications.

The automatic stay freezes foreclosure efforts as soon as your case is filed. You gain breathing space to work toward saving your home—or preparing wisely for next steps if needed.

Key Components

  • The Automatic Stay

    The automatic stay is a court order that immediately stops foreclosure proceedings when you file for bankruptcy. It gives you space to catch up on payments, renegotiate terms, or sell the home without losing everything in a rushed auction.

  • Chapter 13 Repayment Plans

    Chapter 13 lets you create a court-approved plan to catch up on missed mortgage payments over three to five years. As long as you stay current, you keep your home—even if you were months behind at filing.

  • Loan Modifications and Settlements

    Sometimes, we can negotiate directly with creditors without filing bankruptcy. If filing isn’t the best fit for you, we can work to create payment plans or settlements that avoid further garnishment.

Foreclosure FAQs

  • Can bankruptcy really stop foreclosure immediately?

    Yes. The automatic stay stops all foreclosure activity immediately upon filing bankruptcy. Your lender can’t continue foreclosure actions unless they get permission from the bankruptcy court—which is rare early in the case. This freeze buys you critical time to regroup.

  • Which type of bankruptcy is better for stopping foreclosure?

    Chapter 13 is typically better because it allows you to catch up on missed mortgage payments through a structured repayment plan. Chapter 7 can delay foreclosure but often doesn't provide a long-term solution for keeping your home.

  • an I still sell my home during bankruptcy?

     In many cases, yes. If selling is the best option for you, we can help arrange court permission to sell the home during bankruptcy proceedings. This approach can give you control over the sale and help you preserve equity.

  • How many payments do I need to catch up in Chapter 13?

    You generally need to propose a plan that allows you to catch up all missed payments over three to five years. We’ll work with you to create a realistic plan based on your income, debts, and living expenses.

  • What happens if I fall behind during my repayment plan?

    If you start to struggle with your Chapter 13 plan payments, don’t panic. We can often modify your plan, seek a temporary suspension, or find other solutions—but it’s important to reach out early before missing too many payments.