A Pending Foreclosure May Still Be Stopped.
- The Automatic Stay may stop a pending sale
- Find bankruptcy attorneys who understand foreclosure timing
- Take action before the foreclosure sale occurs
Find Bankruptcy Help Based on Your State's Foreclosure Process
Foreclosure procedures differ from state to state. Start by selecting your state below to continue to local information and available bankruptcy providers.
Non-Judicial States
In these states, foreclosure may proceed without a traditional court lawsuit. Because the process can move quickly, understanding your notice and sale date matters.
Dual Process States
These states may allow more than one foreclosure process. The documents you received can help determine which procedure and timeline applies to your situation.
Judicial States
In these states, foreclosure generally proceeds through the court system. Court involvement does not eliminate the need to act before a scheduled foreclosure sale.
Your State Is the Starting Point. Your Situation Determines the Next Step.
Select your state to continue to local foreclosure information and participating bankruptcy providers serving that area.
From Your State to
Bankruptcy Help
The goal is simple: help you move from understanding your foreclosure process to finding experienced bankruptcy help serving your area.
Select Your State
Start with the foreclosure process used in your state, then continue to the available local and regional pages serving your area.
Review Available Providers
Where available, your local page will introduce participating bankruptcy attorneys who serve homeowners facing foreclosure in that area.
Speak With an Attorney Before the Sale
An attorney can evaluate your timing and circumstances. If bankruptcy is appropriate and filed in time, the Automatic Stay may stop the pending foreclosure sale.
The Earlier You Understand Your Options,
The More Time You Have to Act.
If a foreclosure sale has already been scheduled, knowing the date and finding experienced bankruptcy help should not be put off.
SELECT YOUR STATE
One Required Step
Many Homeowners Don't Know About
Before an individual bankruptcy case is filed, federal law generally requires approved credit counseling. Knowing about this requirement early can help avoid unnecessary delay when a foreclosure sale is approaching.
It Comes Before the Bankruptcy Filing
Credit counseling must generally be completed through an approved agency before an individual files bankruptcy. Limited exceptions can apply.
Find an Approved Credit Counseling Agency
The U.S. Trustee Program maintains the official list of approved credit counseling agencies by state and judicial district.
VIEW THE OFFICIAL DOJ LIST →Opens the U.S. Department of Justice / U.S. Trustee Program website.
Credit Counseling Is One Step.
Your Bankruptcy Strategy Is Another.
Completing credit counseling does not determine whether bankruptcy is right for you. An experienced bankruptcy attorney can evaluate your timing, eligibility and foreclosure situation.
A Few Important Questions
Homeowners Often Ask
Every foreclosure and bankruptcy situation is different, but these are some of the questions that matter most when a sale is still pending.
Can Bankruptcy Stop a Scheduled Foreclosure Sale?
A bankruptcy filing generally triggers the federal Automatic Stay, which can stop a pending foreclosure when it applies. Timing and individual circumstances matter.
What Is the Automatic Stay?
The Automatic Stay is a federal bankruptcy protection that generally stops most collection activity after a bankruptcy petition is filed, subject to certain exceptions.
Does My State's Foreclosure Process Matter?
Yes. State foreclosure procedures affect notices, court involvement and timing. That is why BKForeclosure begins with your state and then leads you to local information.
What If I Filed Bankruptcy Before?
A prior bankruptcy can affect how long the Automatic Stay lasts or whether additional court action may be required. This is one reason experienced legal guidance can matter.
Learn How Foreclosure Protection Works
ForeclosureStopsToday.com explains the Automatic Stay, Chapter 7, Chapter 13 and the basic steps in plain English.
LEARN HOW THE PROTECTION WORKS →Find Bankruptcy Help Serving Your Area
Return to the state directory and continue to the local pages and participating providers available in your area.
FIND HELP IN YOUR STATE → A Scheduled Sale Does Not Always Mean
You Have Run Out of Options.
If the foreclosure sale has not yet occurred, understanding your timing and getting qualified help may still make an important difference.