Stop foreclosure · Beverly Hills
Stop Foreclosure in Beverly Hills Before Your Sale Date
To stop foreclosure in Beverly Hills, a bankruptcy filed before the trustee's sale halts the sale the moment the case is filed. If you have a sale date, call (310) 362-9071 today and tell us the date. We handle emergency filings when the sale is days away.
- Filing before the sale stops it
- Chapter 13 lets you catch up over 3 to 5 years
- Emergency filings available
- Bring your Notice of Trustee's Sale
- Free consultation in person or by video
Where you are in the California foreclosure process
Most California home loans are foreclosed without a court case, through a trustee. The process follows set steps, and each one tells you how much time is left.
- Missed payments. Your servicer sends late notices and must try to contact you about options.
- Notice of Default. Recorded with the county recorder. The lender must then wait at least three months before scheduling a sale.
- Notice of Trustee's Sale. Recorded and posted at least 20 days before the sale. This is the date that matters most.
- Trustee's sale. The home is auctioned. After the sale, bankruptcy can no longer undo it.
If you have a Notice of Default, you have time to plan. If you have a Notice of Trustee's Sale, call us now.
How we stop the sale and save the house, step by step
- Get the date. We confirm the sale date and time from your notice or the trustee's sale line.
- Free consultation. We review your income, how far behind you are and what the house is worth.
- Choose the chapter. Chapter 13 is usually the tool to keep the home, because it lets you catch up. Chapter 7 only delays a sale.
- File before the sale. After a short online credit counseling course, we file. If time is short, we file a short petition first and finish the paperwork within the court's deadline.
- Notify the trustee and lender. We send notice of the filing so the sale is taken off the calendar.
- Build the cure plan. Your Chapter 13 plan repays the missed payments over up to five years while you make your regular payment.
Cost and timeline
You get our fee in writing at the free consultation, and payment plans are available. Most foreclosure cases are Chapter 13, which has a different fee than Chapter 7 because we stay with the case for the length of the plan.
The sale stops on the day the case is filed. Your plan then runs 3 to 5 years. The sooner you call before the sale, the more room we have to prepare a plan that works the first time.
Foreclosure in Los Angeles County
In Los Angeles County, notices of default and trustee's sale are recorded with the Los Angeles County Registrar-Recorder/County Clerk, and many trustee's sales are held at public auction sites in the county. Your bankruptcy is filed in the Los Angeles Division of the U.S. Bankruptcy Court, Central District of California, at 255 East Temple Street.
California's Homeowner Bill of Rights limits a servicer from pushing a foreclosure forward while a complete loan modification application is under review. A modification and a bankruptcy are not either-or. Some clients file Chapter 13 to stop a sale and then keep working on a modification. We look at both at the consultation.
If you had a bankruptcy case dismissed in the last year, the protection in a new case may last only 30 days unless the court extends it. With two dismissals in a year, it may not start at all. Tell us about any past case right away so we can file the right motion.
Mistakes that cost people their homes
- Counting on a last-minute postponement. Sales are often postponed, but not always. Plan for the date on the notice.
- Paying a "foreclosure rescue" company. California law bars upfront fees for most loan modification services. Be careful with anyone who asks for money first.
- Filing alone the night before. Rushed do-it-yourself filings are often dismissed, which weakens protection in the next case.
- Ignoring the second mortgage or HOA. Either can foreclose too. Your plan has to cover them.
Related services
Unpaid association dues can also lead to a sale, so read about HOA debt and liens in Beverly Hills. If a car loan is also behind, see our car repossession help. You can also browse all of our bankruptcy service in Beverly Hills options.
Foreclosure questions
How late can I file bankruptcy to stop a foreclosure sale?
You can file bankruptcy to stop a foreclosure any time before the sale takes place. Once the auction is complete, a bankruptcy cannot undo it. Waiting until the last day is risky, so call as soon as you have a sale date.
Will Chapter 7 save my house from foreclosure?
Chapter 7 usually only delays a foreclosure. It can stop the sale for a while, but it does not give you a way to catch up missed payments. Chapter 13 is the chapter built to let you keep the house.
Can I still try for a loan modification if I file?
Yes, you can still pursue a loan modification after filing bankruptcy. Many servicers review modifications for borrowers in Chapter 13. The bankruptcy keeps the sale on hold while that happens.
What if my sale date is tomorrow?
If your sale date is tomorrow, call us right away. We may be able to prepare an emergency filing today. You will need to complete a short online credit counseling course before we file.
Does bankruptcy stop an HOA foreclosure?
Yes, bankruptcy stops an HOA foreclosure the same way it stops a lender's sale. The past-due dues can be repaid through a Chapter 13 plan. Dues that come due after you file are still owed.
Free consultation
Tell us your sale date
Call (310) 362-9071 or send the form with your sale date and the notice you received. We will tell you what can be done before that date.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.