Stop Foreclosure with Bankruptcy

Filing can stop a foreclosure sale and give you time to catch up on your mortgage.

Overview of Bankruptcy and Foreclosure

Facing foreclosure can be overwhelming, threatening your home and your financial stability. Bankruptcy can stop foreclosure, protect your property, and give you time to explore long-term solutions.

When a bankruptcy case is filed, an automatic stay goes into effect immediately. This stay prevents creditors, including mortgage lenders, from proceeding with foreclosure, filing lawsuits, or taking other collection actions while your case is active.

Timing matters. Filing before a sale date generally provides the most options. Chapter 13 is often the path for homeowners who want to keep the house and catch up; Chapter 7 can pause a foreclosure while you evaluate next steps, but it does not typically allow long-term repayment of missed mortgage payments.

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Tell us about your situation. We will explain whether Chapter 7, Chapter 13, or another path is the right next step.

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Our Results

For more than 40 years, Mezher Law has guided individuals and small businesses through Chapter 7 and Chapter 13 bankruptcy.

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Why Mezher Law

Our goal is not just to stop foreclosure temporarily.

  • We help you protect your home whenever possible and establish a clear path forward for lasting financial stability.

Chapter 13 is a long-term plan. We design it around catching up on the mortgage while the stay keeps the sale from going forward.

Chapter 7 & Foreclosure

In Chapter 7, the automatic stay can temporarily halt foreclosure and give you time to evaluate your options. Chapter 7 does not typically allow long-term repayment of missed mortgage payments. If you want to keep your home, Chapter 13 may be a better choice.

A Chapter 7 filing can still discharge qualifying unsecured debt and stop other collection while the case proceeds. Whether you keep the house still depends on exemptions, whether you are current, and whether a longer plan is needed to cure arrears.

Chapter 13 & Foreclosure

Chapter 13 is often used by homeowners facing foreclosure. Through a court-approved repayment plan, you can catch up on past-due mortgage payments over three to five years, stop foreclosure, and protect your home while addressing other debts.

In most cases, bankruptcy cannot reduce your mortgage principal or interest. Chapter 13 can restructure arrears and allow you to pay them over time, which can help you avoid foreclosure. The automatic stay can remain in place for the full plan so long as payments are made.

  • Catch up on past-due mortgage payments over three to five years
  • Stop foreclosure and prevent the sale of your home
  • Potentially modify certain mortgage terms depending on the circumstances
  • Protect your home while addressing other debts

Benefits of Filing When a Home Is in Foreclosure

The filing of the bankruptcy gives homeowners time and protection while a longer-term plan is put in place. Our goal is not just to stop foreclosure temporarily. We aim to help you regain control of your finances and keep your home whenever possible.

Bankruptcy will impact your credit score, but it may be less damaging than foreclosure alone. Stopping foreclosure and reorganizing your debt can help you rebuild credit over time.

What to Do Before a Sale Date

Talk with us before the sale. Share the property, the lender, and the timeline. We will explain whether Chapter 13, Chapter 7, or another path fits, then prepare the petition and, when needed, a Chapter 13 plan.

Once the case is filed, the automatic stay takes effect immediately and continues while the case is active. We attend the meeting of creditors with you and stay with the matter through the plan or discharge.

Looking for a Bankruptcy & Foreclosure Attorney Near You?

Call or message us to talk through your finances and options.

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FAQs

In most cases, bankruptcy cannot reduce your mortgage principal or interest. However, Chapter 13 can restructure arrears and allow you to pay them over time, which can help you avoid foreclosure.

The automatic stay takes effect immediately upon filing and continues while the bankruptcy case is active. In Chapter 13, the stay can remain in place for the full three- to five-year repayment plan.

Bankruptcy will impact your credit score, but it may be less damaging than foreclosure alone. Stopping foreclosure and reorganizing your debt can help you rebuild credit over time.

If you want to keep your home and catch up on missed payments, Chapter 13 is often the better choice. Chapter 7 can temporarily halt foreclosure but does not typically allow long-term repayment of mortgage arrears.

Timing matters. Filing generally provides the most options before a sale date. Talk with us as soon as a foreclosure is pending so the stay can take effect in time.

Testimonials & Results

Highly recommend Mezher Law when it comes to filing for bankruptcy. Christine and Joe were both easy to work with and made an uncomfortable process comfortable and easy. Thank you for helping me get back on the right track!

Ryan F.Bankruptcy Client

Mezher Law goes above and beyond to help you. They actually care about your situation. Christine is very nice and professional and made me very comfortable through my bankruptcy. I would recommend this law firm to everyone. Very caring group. Thank you all!

Anita G.Bankruptcy Client

This is a wonderful law firm. Joseph Mezher took my auto accident personal injury case. He was empathetic, detail oriented and extremely helpful. My settlement was for many many times what the other driver's insurance company offered me. I also appreciated going to the office in a suburban location, not downtown. Try them!

Barbara G.Personal Injury Client

Joe and the firm at Mezher Law are very helpful and helped us get great results. They are very knowledgeable, experienced and forthright and represented us in the best way possible. We felt that they were excited about getting great results for us and we became close friends. I feel they were warriors for us, never stopped pushing and got the best results possible. I would recommend Joe and the firm for any needs that someone would have, they are the best available.

Robert C.Past Client

Kathleen, Christine and the rest of the firm are very attentive and informative throughout the entire process of your case. My husband and I worked with them for many years and they were super supportive and helpful and kept us in the loop and updated every step of the way. We appreciate and value them as our attorneys.

Jenn F.Past Client

My family and I have worked with Kathleen and her daughter Christine many times for various reasons. We've gone to this law firm for 20+ years and have always found it to be efficient for all of our needs and it is obvious they care about people! Have highly recommended them to many friends and family members.

Holly F.Past Client

What to Expect

Here is how working with Mezher Law typically moves forward on a bankruptcy matter:

Step 1

Call before the sale

Share the property, the lender, and the sale date. We will identify whether Chapter 13, Chapter 7, or another path can stop the foreclosure in time.

Step 2

We prepare the petition

You provide documents. We prepare the filing and, when you need to catch up on the mortgage, a Chapter 13 plan, then meet with you to review and sign.

Step 3

File and follow through

The case is filed in federal court. The automatic stay can stop the sale while we stay with the matter through the plan or discharge.

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