Foreclosure
How Bankruptcy Can Stop Foreclosure
If you’ve fallen behind on your mortgage and foreclosure feels like it’s closing in, bankruptcy may be able to hit pause — and in many cases, give you a real path to catching up and keeping your home.
The Automatic Stay Halts Foreclosure Immediately
As soon as you file for bankruptcy, the automatic stay takes effect. This is a court order that stops most creditor actions, including a scheduled foreclosure sale. If a sale date is coming up, filing before that date can, in most cases, stop the sale from happening while your case moves forward.
Chapter 13: The Homeowner's Bankruptcy
For most people trying to save their home, Chapter 13 bankruptcy is the tool that does the heavy lifting. Rather than discharging your mortgage debt, Chapter 13 lets you catch up on missed payments over three to five years through a structured repayment plan — all while you stay current on your regular ongoing mortgage payments.
This means you keep your house, your missed payments get organized into an affordable plan, and the foreclosure process stops.
Timing Matters
Foreclosure timelines move fast, and the earlier you talk to an attorney, the more options you typically have. If you’ve received a notice of default, a foreclosure filing, or a sale date, don’t wait to see what happens next.
What Chapter 13 Can Do for Homeowners
- Stop a scheduled foreclosure sale
- Spread missed mortgage payments over 3–5 years
- Combine mortgage arrears with other debt, like tax debt or credit cards, into one plan
- Stop related collection calls and garnishment at the same time
Our Promise to You
We only practice bankruptcy law, so you’re not getting split attention. You’re getting focused advice, an honest read on your options, and a plan that fits your actual situation.
Worried about losing your home? Call 503-894-4891 now for a free consultation about how bankruptcy can help you stop foreclosure and catch up on your terms.