Good morning Shauna,
I cannot file a Chapter 13 to stop this as I won't be approved by a judge due to financial limitations. It is my understanding a Chapter 13 is your regular payment plus extra and paid off in 5 years...That is a correct statement of the process. I can't do that.
Is there any other way to stop this besides bankruptcy and if not... you say they can evict me... about how long will this take after the sale. No, short of paying the arrears, the lender can be expected to move forward.
In your experience, how often do you hear of someone buying a 2nd at 60K and then buying the first at 220K on a house that is upside down? If the property isn't worth $280,000---never. If the property is worth $300 or more, foreclosure is a good way for the lender to get most, if not all, of their money back.
You may reply back to me again, using the Reply to Expert link, if you have additional questions.
I wish you the best in your future,