Foreclosure Defense Lawyers Serving Gainesville and Alachua County

Yes. Filing Chapter 13 bankruptcy in Gainesville immediately triggers the automatic stay, which stops the sale and other collection efforts. This gives you time to create a repayment plan and catch up arrears. Chapter 7 also pauses the process, but it’s usually short-term and not a long-term solution for keeping your home.

Not always. Your attorney can handle most hearings in Alachua County for you. You may need to attend mediation or trial if the case goes that far, but many homeowners resolve their foreclosure through modification, settlement, or Chapter 13 filings without appearing in court.

Yes. Homeowners usually stay in their property until after the foreclosure auction and the court issues a writ of possession to the new owner. That process often takes months, so you don’t have to leave right after receiving the lawsuit.

You still have options, but you must act quickly. Filing Chapter 13 before the auction will stop it. An attorney may also request an emergency motion to postpone the sale if the lender is reviewing a modification or if errors exist. After the auction, your options become very limited.