I have been helping people save their homes from foreclosure for 25 years. For those who qualify, I typically use Chapter 13 Bankruptcy to stop a pending foreclosure sale. Chapter 13 Bankruptcy uses a court-approved payment plan to save your home.
If you qualify, bankruptcy might be the best way to save your home from foreclosure. Chapter 13 uses a court-approved bankruptcy plan to get you out of default. If you qualify, I can stop a foreclosure. However, I can't undo one that has already occurred. Please do not wait until it is too late.
I have been a bankruptcy attorney using Chapter 13 to save homes from foreclosure since 1996. Call me, and I will tell you how Chapter 13 bankruptcy can help you if you qualify. Qualification is easier if you are a full-time employee, but retired people may be able to qualify with regular income.