File bankruptcy after you have responded to the unlawful detainer. This will buy you a little more time. Once you file, you have to notify the State Court so that the Unlawful detainer action can be suspended. Then your lender will go to the Bankruptcy Court and file a motion for relief from automatic stay to proceed with the unlawful detainer. If you do not respond to the motion, the Court will rule in the lender’s favor usually after the time required for your response has expired. If you respond, then the motion will be marked for hearing, this buys you so more time. Ultimately, you will lose the hearing and the unlawful detainer action will resume.
No apologies necessary. Thank you very much for your kind words.
Your case will remain open for 24 hours. So if you remember anything that you would like to ask me, by all means do so. Hang in there. There is light at the end of the tunnel.
Just hit "reply" when you contact me so that you will not be charged again.
I wish you the very best.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).