Real Estate Law
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Ordinarily, the easiest way to stop a foreclosure in your situation is to resinstate (i.e., pay the arrears). If the lender will not accept payment by phone or online, then you can mail it and request a tracking number so that you can prove that it was delivered. If that doesn't work for some reason, then in a worst case scenario you can file for bankruptcy. A bankruptcy will stop any foreclosure, and if you file for a Chapter 13 bankruptcy, then you will have between 3 and 5 years to pay the arrears to the lender. It's kind of like a forced payment plan that the lender has no choice but to accept.
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