Foreclosure Defense

Using Bankruptcy to Stop Foreclosure and Catch up on Your Mortgage

Filing for bankruptcy triggers an automatic stay that immediately halts a pending foreclosure sale, often even one scheduled for the next day. For homeowners who are behind on payments but want to keep their home, Chapter 13 then provides a structured way to catch up on the missed amount over time, alongside your regular mortgage payments.

Mitchell St. Louis, P.A. uses bankruptcy strategically to stop foreclosure and give homeowners a real path to catching up, rather than losing the property.

What we handle:

Filing an emergency petition to stop a scheduled foreclosure sale
Structuring a Chapter 13 plan to cure mortgage arrears over time
Negotiating with mortgage lenders during the bankruptcy case
Coordinating bankruptcy with existing foreclosure litigation
Advising on whether Chapter 7 or Chapter 13 better fits your situation

Why it matters:

Once a foreclosure sale is scheduled, time is the most important factor. The automatic stay from a bankruptcy filing stops the sale the moment it’s filed, which is often the fastest way to halt foreclosure when other options have run out.

Contact Mitchell St. Louis, P.A. today to schedule a consultation if you’re facing an imminent foreclosure sale.