Keep My Home
For homeowners who want to remain in the property.
Overview of Home Retention Strategies
Keeping the home is possible through:
- Foreclosure defense
- Loan modification
- Forbearance plan
- Chapter 13 bankruptcy
- Lien resolution programs
- HOA/tax rescue loans
This section reassures the homeowner that foreclosure is NOT automatic.
Foreclosure
Defense Explained
What Foreclosure Defense Involves:
- Reviewing mortgage documents for errors
- Ensuring lender followed proper procedures
- Filing legal responses
- Requesting mediation
- Identifying lender violations
Why Homeowners Choose to Work With a Foreclosure Attorney:
- Lenders often make procedural mistakes
- Attorneys can delay foreclosure through motions
- More time allows homeowners to recover income
- They negotiate directly with lenders
Bankruptcy
Chapter 13
(Repayment plan)
• Stops foreclosure immediately (Automatic Stay)
• Allows missed payments to be repaid over 3–5 years
• Helps keep the home
Chapter 7
(Debt discharge)
• Wipes out unsecured debt
• Provides temporary relief
• Often paired with short sale or home exit strategies
Why Many Work With a Bankruptcy Attorney
• Bankruptcy is a federal legal process
• Filing errors cause instant denial
• Attorneys ensure correct chapter selection
• They maximize protection for the home
HOA, Tax, and Judgment Lien Rescue Programs
HOAs and counties can foreclose for as little as $1,200–$3,000 owed.
Professionals help:
- Pay off liens
- Secure rescue loans
- Challenge inflated fees
- Reinstate the property