top of page

STOP 

FORECLOSURE

&

 REPOSSESSION

Facing foreclosure or repossession is a nightmare, but the attorneys at United Legal Advocates act swiftly to protect your home, car, and other essential assets. Our same-day emergency filings trigger an automatic stay under 11 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:

  • Day 1: Notice of Default (NOD) recorded after missed payments. The foreclosing lender must wait 90 days before they can record the Notice of Sale (NOS)

  • Day 91+: Notice of Sale may be recorded and sets an auction date at least 21 days from the date of recording the NOS.

  • 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, with few exceptions, it’s often too late to reverse the outcome, so don’t delay.​

​How We Stop Foreclosure​

  • Chapter 13 Power: Rolls missed mortgage payments into a 3–5-year repayment plan, bringing you current and out of default. 

  • 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.

  • 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:​

  • 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.

  • 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.

  • Negotiation: In Chapter 7 bankruptcy, we may negotiate with lenders to reaffirm loans or modify terms like lowering your interest rate.​​

​​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

  • X
  • Instagram
  • Facebook
  • LinkedIn
U.S_edited.jpg

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.


By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message. Message frequency may vary. Message and Data Rates may apply. Reply STOP to opt out of further messaging. Reply with HELP for more information.

Disclaimer

Please note that the use of this website does not create an attorney-client relationship between you and United Legal Advocates LLP. The content provided on this site is intended for general informational purposes only and should not be construed as legal advice. Although we strive to keep the information on this website accurate and current, we make no guarantees regarding its completeness, accuracy, or timeliness. You should not act upon any information found here without first consulting with a licensed attorney in your jurisdiction. This site may be considered attorney advertising. It is designed for informational and promotional purposes only. Any communication through this website does not establish a confidential or attorney-client relationship.

Copyright © 2025 UNITED LEGAL ADVOCATE, LLP

UNITED LEGAL

TM

bottom of page