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The Auction Escape Guide
5 Ways to Stop Foreclosure
(And What Happens If You Don’t)
Watch the video or read the acticle below
Hi there.
If you're reading this, you're probably going through something really hard. Maybe you got a letter saying your house is going to be sold. That can feel scary. You're not alone — and it’s not your fault.
Sometimes life happens — job loss, medical bills, divorce, or just too many things at once.
The good news is, there are ways to stop the foreclosure.
We’re here to help you understand your options and choose what’s best for you.
Option 1: Pay What You Owe (Reinstatement)
This means paying the bank all the money you’re behind on, plus late fees. Then the foreclosure stops.
Ask yourself:
Do you know how many months you’ve missed?
Can you pay it all at once?
Can you still pay next month’s bill after that?
Where can people get the money?
Ask friends or family
Pull from retirement
Borrow money
Some people fix the problem, but fall behind again later.
Then it starts all over again — and it’s even harder.
Option 2: Ask the Bank to Change the Loan (Loan Modification)
This is where the bank says: “Okay, let’s give you more time to pay.”
But be careful. They raise your interest rate to today’s average — which is around 7% or 8%.
That means your new payment could be double what you pay now.
Let’s say you have a 3% rate now — the new one could be over 7%.
Ask yourself:
Can you prove your income?
Do you make just enough? Not too little. Not too much.
Can you afford the new, higher payment?
Some people try hard and still get denied — sometimes at the very last minute.
Option 3: File for Bankruptcy (Chapter 13)
Bankruptcy means asking a court to pause the foreclosure.
It gives you more time — but it’s not free.
You still have to:
Pay your regular mortgage
Pay an extra monthly payment to the court for 3 to 5 years
If you miss even one payment, the whole thing can fall apart — and the foreclosure comes back fast.
Also:
You’ll need to pay a lawyer ($2,000–$4,000)
Your credit score goes down for 7 to 10 years
This might be a last-resort option when there’s no time left.
Option 4: Sell the House for Cash
This is where someone buys your home, pays off the bank, and gives you cash.
How it helps:
Stops the foreclosure
Saves your credit
Gives you money in your pocket
You might even stay in the house for a little while
We’ve helped many people start fresh with this option.
You don’t have to fight or stress — just move forward with peace of mind.
Option 5: Let Someone Take Over the Payments (Subject-To)
This is when:
We pay what you owe
We take over the monthly payments
The loan stays, but you stop paying
What it does:
Stops the foreclosure
Protects your credit
Can give you cash
You could stay as a renter/tenant
Or we can partner with you to sell it later and split the money
It’s fast, flexible, and doesn’t need bank approval.
What Happens If You Do Nothing?
If you don’t take action:
The bank sells your house
You lose your home and your equity
Your credit is damaged for 7 years
It’s harder to rent or buy again
We don’t want that for you.
We’re Here to Help — Not Just Tell You to Sell
Some people will try to get you to sell your house no matter what. Even if it’s not the best choice for you.
But we don’t do that.
We look at everything — how much you owe, how much money you make, what your bills are, and what you want to do.
Then we help you figure out the best way to save your house or move on in the best way possible.
If you can pay what you owe and keep making your monthly payment, we’ll tell you to keep your house.
If a loan change (loan modification) can work for your income, we’ll explain how to do that.
But if those plans will just make you fall behind again or cost too much, we’ll show you how to sell your house in a smart way — so you can move on with cash in your pocket and no stress.
We give you the real truth, not pressure.
We want to help you find the right answer for you — not just what helps us.
You don’t have to figure this out alone. We’ve helped a lot of people, and we’re ready to help you too.
Homes Protected from Foreclosure
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Homeowners Who Felt Supported
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Free Guidance Calls Last Month
The Process Explained
Step 1
Tell Us What’s Going On
We Listen First
Call us at 833-349-0909 or fill out the form. We’ll ask a few simple questions to understand your current situation — like how far behind you are and what kind of notice you received. No judgment, just help.
Step 2
Explore Your Options
Not Just “Sell Your House”
We’ll review your entire situation and walk you through 5 real options to stop the foreclosure — including reinstatement, loan modification, or selling with dignity. You’ll know what fits your personal and financial needs best.
Step 3
Take the Right Step Forward
Only If It Makes Sense for You
If selling turns out to be your best path, we’ll make a fair offer — fast. You pick your timeline, and we handle the rest. But if another option fits better, we’ll guide you through that too. No pressure. Just real help.
Understand All Your Options
Get Clarity Without Pressure
Support That Puts You First
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