When You’re Facing the Loss of Your Home
Foreclosure is one of the most stressful experiences a homeowner can go through. In Memphis, families facing this situation often feel out of time and out of options. But legal help is available. At Hurst Law Firm, P.A., we work with people who want to stop foreclosure and find a way to stay in their homes.
The Clock Is Ticking—But There Are Solutions
Once a foreclosure process begins, every day counts. Missing mortgage payments can quickly lead to legal action from your lender. However, several strategies exist that may help delay or even stop the foreclosure entirely—giving you a chance to recover and regroup.
Bankruptcy is one of the most powerful legal tools to stop a foreclosure. Filing for Chapter 13 initiates an automatic stay, which halts the foreclosure process immediately. This allows you to catch up on missed payments over time through a court-approved repayment plan.
Chapter 13 as a Foreclosure Defense
Chapter 13 bankruptcy is especially effective for those who still have a steady income but have fallen behind due to temporary hardship. It allows you to make up missed mortgage payments while keeping your home. Many Memphis residents use this approach to regain financial control without giving up the roof over their heads.
Unlike loan modifications or forbearance agreements—which depend on your lender’s approval—Chapter 13 is a right granted by law. It forces creditors to pause and gives you a real chance to fix the problem without further threats of eviction or sale.
Working with a Foreclosure Attorney
Foreclosure defense is complex, and timing is critical. At Hurst Law Firm, P.A., we’ve seen how fast situations can spiral—and how quickly they can be turned around when the right steps are taken. We assist Memphis homeowners by evaluating all available options and building a clear plan to fight back.
If you’ve received a foreclosure notice or know you’re close to falling behind, now is the time to act. Legal intervention may not just delay the process—it could help you stay in your home for good. You don’t have to go through it alone, and you don’t have to give up without exploring your rights.
