STOP
FORECLOSURE
&
REPOSSESSION
Facing foreclosure or repossession is a nightmare, but UNITED LEGAL ADVOCATES, LLP acts swiftly to protect your home, car, and other essential assets. Our same-day emergency filings trigger an automatic stay under 2 U.S.C. § 362, halting auctions, seizures, and creditor actions instantly. Time is critical—our 24/7 availability ensures we stop creditors before it’s too late.
The Foreclosure Timeline
Foreclosure follows a strict timeline:
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Day 1: Notice of Default (NOD) recorded after missed payments.
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Day 91+: Notice of Trustee Sale (NOTS) sets an auction date, as early as day 111.
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Auction Day: The home is sold if no action is taken.
Filing bankruptcy before the auction triggers the automatic stay, stopping the sale. Post-auction, it’s often too late to reverse the outcome, so don’t delay.
How We Stop Foreclosure
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Chapter 13 Power: Rolls missed mortgage payments into a 3–5-year repayment plan, bringing you current and out of default. For example, $38,000 in arrears can be spread over 60 months at $633/month.
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Lien Stripping: Removes underwater second mortgages in Chapter 13 if your home’s value is less than the first mortgage balance, reducing your debt load.
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Loan Modification: We leverage programs like the Home Affordable Modification Program (HAMP) or the Central District’s LMM Portal to negotiate lower payments or interest rates during bankruptcy. In 2024, 62% of our clients secured modifications.
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Emergency Filings: We file electronically in under two hours, even on weekends, to stop auctions. We make every effort to stop the sale—our success rate in emergency filings is exceptionally high.
Stopping Repossession
If your car or other secured assets (e.g., appliances, work equipment) are at risk, we have options:
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Chapter 7: Reaffirm the loan to keep the asset or redeem it by paying its current value. For example, a $15,000 car loan on a $10,000 car can be redeemed for $10,000.
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Chapter 13: Cram down the loan to the asset’s value (for cars purchased over 910 days ago) or include payments in the plan to prevent repossession.
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Negotiation: Outside bankruptcy, we may negotiate with lenders to reinstate loans or modify terms.
Facing a foreclosure or repossession deadline?
Call us today for immediate help. We act fast to save what matters most.
CONTACT US
Address
19200 Von Karman Ave., Suite 600
Irvine, CA 92612
Email
Phone
949-234-8212
