Hi - my name is XXXXX XXXXX X'm a Real Estate litigation attorney here to assist you.
The only sure way to delay a foreclosure is by filing bankruptcy. If you don't file bankruptcy, there's virtually nothing you can do to stop the lender from proceeding with the sale.
These firms can't guarantee you that the foreclosure can be delayed. They can offer you the possibility of delaying the foreclosure, but they can't guarantee this will happen.
The only guaranteed way to delay a foreclosure is to file bankruptcy. If this is done, the automatic stay in the bankruptcy code goes into effect and prohibits the lender from pursuing you for the debt.
I can not file bankruptcy until my 2010 taxes are done. Any other ideas to stall for a month?
Unfortunately, there's no way to guarantee delaying the foreclosure unless you were to file bankruptcy. It is possible to ask the lender to delay the foreclosure, to give you a forbearance agreement, etc., but you can't make the lender do this.
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