How we help
Foreclosure defense
A foreclosure notice starts a process with deadlines. Acting on time keeps your options open, and there are usually more options than the letter says.
We read the lender's paperwork, answer the lawsuit if there is one, and look for every way to keep you in the house: a loan modification, a repayment agreement, more time to sell on your own terms, or a Chapter 13 plan that catches up the missed payments.
If keeping the house isn't possible, we help you leave on the best terms the law allows, without a judgment following you afterward.
What we can do
Respond before the deadline
Ask for mediation or a loan modification
Use Chapter 13 to catch up over time
Negotiate time to sell or move
Good to know
What to know now
Deadlines are short
The notice gives you a short window to respond. Call us the week the papers arrive, even if you're not sure what they are.
You can stay for now
A foreclosure notice doesn't mean you have to move out. You can live in your home until the process is finished.
Watch for rescue scams
Nobody legitimate asks you to sign your deed over or pay a fee up front to save your house. Ask us first.
Questions about foreclosure defense
I got a foreclosure notice. What do I do first?
Write down the date you got it and call us. The deadlines usually run from that date.
Can I still apply for a loan modification?
Often, yes, even after the foreclosure starts. We can help you apply and make sure the lender doesn't ignore it.
Will bankruptcy stop the sale?
Filing stops most sales, and a Chapter 13 plan can let you catch up. Timing matters, so call before the sale date, not after.
Talk it through with an attorney
The first meeting is free. You'll leave knowing your options and what happens next.
Our help is free for households that qualify. The court's filing fee is separate; the court can waive it or let you pay it in installments.