Real Estate Law
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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question, conduct and prepare your response.
Your remedy here is to file bankruptcy prior to 11/12/2016.Chapter 7 allows you to discharge debts , and reaffirm the house loan, Chapter 13 is also a possibility. It has extended payment period where you make payments on the secured debts and the unsecured are discharged.Either way this is the only way to stop a foreclosure at this point.
You can either use a local bankruptcy lawyer or file yourself.
You can do this yourself , you need to file pretty quick.Bankruptcy here has automatic stay to stop foreclosure.
I appreciate the chance to help you today.Thanks again.