Foreclosure Defense Attorneys Serving Palm Bay and Brevard County

Yes. Filing Chapter 13 bankruptcy before the auction will stop the sale immediately. If there are lender mistakes or a loan modification under review, your attorney may also file an emergency motion in Brevard County court to delay the sale. Once the property is sold, your options drop sharply.

Not usually. Your lawyer can appear at most hearings on your behalf in Palm Bay. You might need to attend mediation or a trial if the case goes that far, but many cases resolve before trial through settlement, modification, or bankruptcy.

You may still have options. If your previous application was denied, you can often reapply if your circumstances have changed or the lender made errors. Filing Chapter 13 may also give you the breathing room to pursue another modification while stopping the foreclosure.

Yes, if you file before the sale. Chapter 13 allows you to keep your home while catching up arrears over 3–5 years. Chapter 7 pauses the case but usually doesn’t give a long-term way to keep the property. For homeowners who want to stay, Chapter 13 is usually the stronger option.