If you have notice of a foreclosure sale on your property, Chapter 7 and Chapter 13 Bankruptcy will stop the sale. Even if the sale is scheduled for tomorrow, I can make an emergency filing to stop the sale. Then you can propose a Chapter 13 plan to cure your arrearage or you can file a Chapter 7 and delay the sale while you pursue a loan modification. New legislation in California makes it more difficult for lenders to foreclose or can buy you time to sell or relocate. I can help you strategize to take full advantage of your legal options. Email me by the contact icon at the top of the webpage or at stanleyberman@yahoo.com