My house is in foreclosure.
Can I stop the foreclosure sale?

Please note: this information only applies to property located in California.

If you have received a Notice of Default or a Notice of Trustee’s Sale in the mail, you are at immediate risk of foreclosure and should act quickly if you want to try to save your home.  In California, a Notice of Default is the first step in the foreclosure process.  The Notice of Default is recorded with the county a little more than three months before a foreclosure sale can take place.  A Notice of Trustee’s Sale filing is the second and last step in the foreclosure process.  A Notice of Trustee’s Sale must be taken very seriously.  The first page of a Notice of Trustee’s Sale will state the date your house will be sold in foreclosure.  The foreclosure sale will usually be scheduled about 20 days from the date of the Notice of Trustee’s Sale.  Sometimes it is hard to find the foreclosure sale date so you will have to look closely at the notice.

If you receive a Notice of Default or a Notice of Trustee’s Sale and want to stop the foreclosure sale, you must seek help immediately. Our office routinely stops foreclosure sales by giving homeowners the protection that comes with a Chapter 13 bankruptcy.  A Chapter 13 bankruptcy can stop the foreclosure sale. It may be able to help you bring your mortgage current or provide other ways of protecting your home from future foreclosure.

When your home or property is at risk of foreclosure, the sooner you seek help the more likely you are to be able save your house.  Because it takes at least several days to prepare a Chapter 13 bankruptcy for filing with the court do not wait until the last minute to call a bankruptcy attorney.

Everyone’s situation is different, which is why our office offers a free personal consultation with an attorney. That way we can analyze your situation and advise you of the best way to save your property and protect your income.

Learn more about foreclosure and see a sample Notice of Default & Notice of Trustee’s Sale.

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