When mortgage payments fall behind, foreclosure can move fast—and it can feel like there’s no way out. Bankruptcy can stop that process and give you a real path to catching up on what you owe.
Our team answers the question directly in this video:
Will Bankruptcy Stop Foreclosure?
Yes. Filing bankruptcy stops foreclosure proceedings through a legal protection called the automatic stay. As our team puts it, “Absolutely. That’s what we do here.”
The automatic stay takes effect the moment you file. Your mortgage company must halt the foreclosure process and operate within the terms of the bankruptcy—they can’t pursue foreclosure outside of it.
Can You Catch Up on Missed Mortgage Payments Through Bankruptcy?
Chapter 13 gives you a structured way to repay mortgage arrears—the past-due amounts you’ve fallen behind on—over time. While you’re in that repayment plan, the mortgage company must follow the terms established through the bankruptcy and can’t push the foreclosure forward.
If you have questions your situation, Boleman Law Firm, P.C. offers a free, no-risk consultation. Call us at (804) 358-9900.
