When Is It Too Late to Stop Foreclosure with Bankruptcy?

Facing foreclosure can feel overwhelming, but understanding your options is the first step toward regaining control. Many homeowners ask, “When is it too late to stop foreclosure?”

It’s not “too late” to stop a foreclosure until the property is sold at auction to a third party. Even then, in some states, a redemption period exists where you can reclaim the property by paying the auction price plus costs. The sooner you act, the more options you likely have.

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