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Unfortunately it is likely that the foreclosure will not be delayed unless you file a chapter 13 bankruptcy. Absent a voluntary forbearance by the lender, a Chapter 13 bankruptcy is the only alternative at this point.
A Chapter 13 bankruptcy would immediately stop the foreclosure action. It could permit you to set up a plan to reinstate your mortgage arrearages. In other words, it could allow you to pay the arrearage over a 5 year period.
The Chapter 13 bankruptcy may also be used to strip away any 2nd mortgage if the first mortgage equals or exceeds the value of the property.
It would be best to retain an attorney. If you cannot, you will obtain the forms and file them yourself prior to the sale. After you file the petition
, you will need to notify the plaintiff.
You can obtain the bankruptcy forms and information for self-help at this link:
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