Foreclosure Defense Lawyer
Behind on your mortgage or staring down a sheriff sale? Filing bankruptcy stops foreclosure the day we file, and Chapter 13 gives you a court-protected way to catch up and keep your home. Our foreclosure defense lawyer makes it manageable and affordable across Philadelphia and South Jersey.
Stop the sheriff sale and keep your home
The moment we file, an automatic stay halts the foreclosure and any scheduled sheriff sale. Chapter 13 then folds your missed mortgage payments into one affordable monthly plan, so you catch up over time and stay in your home. No need to come to an office, and no judgment from us. We serve people across Greater Philadelphia and all of South Jersey.
How we stop foreclosure
- Halt the foreclosure the moment we file
- Stop a scheduled sheriff sale
- Catch up on missed mortgage payments over time
- Roll the past-due balance into one monthly plan
What you keep
- Your home, by catching up through the plan
- Court protection while you get back on your feet
- Your equity, in nearly every case
- Your co-signers, protected during the plan
The Foreclosure Defense Roadmap
A clear path to stopping foreclosure and catching up.
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Step 1 of 13
Free consultation
Phone or Zoom, zero obligation. We review your debts, income, and what you most want to protect.
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Step 2 of 13
Credit counseling
A quick, required online course before we can file. About an hour.
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3
Step 3 of 13
We gather your documents
Pay stubs, tax returns, and a list of what you own and owe. You dig them up, we do the rest.
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Step 4 of 13
We build your plan
One affordable monthly payment, shaped around your real budget, over 3 to 5 years.
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Step 5 of 13
We file
The moment we file, the automatic stay stops foreclosure, repossession, garnishment, and collection calls.
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Step 6 of 13
Your first payment
You start your monthly plan payment within 30 days of filing, even before it is approved.
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Step 7 of 13
Meeting of creditors
A short, routine video meeting with the trustee, often five minutes. We prep you for it.
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Step 8 of 13
The trustee reviews your plan
The Chapter 13 trustee checks your numbers and may ask for a small tweak or two.
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Step 9 of 13
Plan confirmation
The court approves your plan. Once it is confirmed, it is locked in and your creditors must follow it.
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Step 10 of 13
You make your payments
One payment a month to the trustee, who pays your creditors. Keep it up and you stay protected.
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Step 11 of 13
Debtor education course
One more quick online course, completed before your plan wraps up.
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Step 12 of 13
You finish the plan
After 3 to 5 years, you have caught up and met every obligation in the plan.
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Step 13 of 13
Discharge
The court wipes out any remaining qualifying debt. You are done, and you kept what matters.
We will help you get to a 720 credit score
It will not take long to rebuild your credit because we give you the tools to do it. 7 Steps to a 720 Credit Score is a free bonus course, included with your case, that can get you to a 720 credit score in under two years.
Follow the steps and you could be back to a great score in no time: qualifying for low-interest cards, saving thousands on car and home loans, and never again dreading a credit check from a landlord or employer.
Foreclosure Defense questions
Can bankruptcy really stop my foreclosure?
Yes. Filing triggers an automatic stay that immediately halts foreclosure, including a scheduled sheriff sale. Chapter 13 then gives you a structured way to catch up on what you missed.
My sheriff sale is already scheduled. Is it too late?
Usually not. As long as we file before the sale happens, the automatic stay stops it. Call us right away so we have time to prepare and file.
Will I be able to keep my home?
That is the whole point of a Chapter 13 foreclosure defense. You catch up on the missed payments through the plan and keep your home as long as you stay current going forward.
How fast does the foreclosure stop?
Immediately on filing. The automatic stay takes effect the moment your case is filed with the court.
Can I do this from Philadelphia or South Jersey without coming in?
Yes. We handle everything over phone and Zoom, from your first call through your filing, anywhere in Greater Philadelphia or South Jersey.