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If you're behind on your mortgage payments, have been served a notice of default, or are in foreclosure, bankruptcy may be able to help. In this section you can find information on how Chapter 7 and Chapter 13 can help with foreclosure, nonbankruptcy options to defend against a foreclosure (such as Truth in Lending Act violations and problems with lender documentation), and more.
Foreclosure and Foreclosure Defenses
Learn about foreclosure and how to stop foreclosure outside of bankruptcy.
Learn about your options to defend a foreclosure. Find information on Truth in Lending Violations, illegal interest rates, documentation failures on the part of the lender, proof of ownership issues and more.
Your Options Under Bankruptcy Law
Both Chapter 7 and Chapter 13 can stop a foreclosure temporarily, but only Chapter 13 can help you catch up on delinquent payments and save your home.
Chapter 7 bankruptcy can't help you make up mortgage arrears, but if you can work something out with the lender you may be able to keep your home. It can also free up other money to help pay your mortgage.