Bankruptcy Chapter 7/13 to Stop Foreclosure in Islip Metro
Filing Chapter 7 or Chapter 13 bankruptcy triggers an automatic stay, a court order that stops a foreclosure sale the moment it's filed. Chapter 7 buys time and can wipe out unsecured debt, but it won't save the house on its own unless you're current on the mortgage or catch up fast. Chapter 13 is the tool most homeowners actually need: it lets you roll missed mortgage payments into a 3 to 5 year repayment plan while you keep the property, as long as you have steady income to fund it. The 26 firms listed in this category handle both paths, and the right choice between them (or whether bankruptcy is even the best move versus a loan modification or short sale) depends on your income, how far behind you are, and what other debt is in the picture.
When you're comparing attorneys, look past the intake pitch. You want someone who files Chapter 13 plans regularly in the Eastern District of New York, not a generalist who dabbles in it. Ask how they handle mortgage arrears specifically, whether they coordinate with your lender's loss mitigation department, and what happens if your plan payment gets tight partway through. A lawyer who walks you through the means test, the confirmation hearing, and the realistic monthly payment before you sign is worth more than one who just promises to stop the sale.
Our scoring weighs things like responsiveness, experience with foreclosure-specific bankruptcy filings, transparency about fees, and track record with plan confirmations, so you're not guessing from star ratings alone. For a ranked shortlist of the strongest options in Islip Metro, see our best Chapter 13 attorneys guide. Curious how we arrive at the rankings? Read the methodology.
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All bankruptcy chapter 7/13 to stop foreclosure, ranked by score and relevance
We found 34 businesses offering bankruptcy chapter 7/13 to stop foreclosure; 27 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is bankruptcy chapter 7/13 to stop foreclosure, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
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Common questions about bankruptcy chapter 7/13 to stop foreclosure
- How much does a Chapter 13 bankruptcy to stop foreclosure cost?
- Attorney fees for a Chapter 13 filing typically run a few thousand dollars, and much of that can often be paid through the repayment plan rather than upfront. On top of legal fees, there's a court filing fee and usually a required credit counseling course fee. Ask any attorney you're considering for a full breakdown before you sign, since some build more of the fee into the plan than others.
- How fast does bankruptcy actually stop a foreclosure sale?
- The automatic stay takes effect the moment your case is filed, which is why attorneys sometimes file quickly (even before all paperwork is finalized) when a sale date is close. It stops the sale, but it doesn't erase the missed payments, so you still need a workable Chapter 13 plan or another solution lined up soon after.
- Will Chapter 7 or Chapter 13 save my house?
- Chapter 7 only helps if you're already current on your mortgage or can get current very quickly, since it doesn't include a repayment plan for arrears. Chapter 13 is built for exactly this situation: it spreads out missed payments over 3 to 5 years while you keep making regular mortgage payments going forward. Most homeowners facing foreclosure who want to keep their home end up in Chapter 13.
- What should I ask before hiring a bankruptcy attorney for foreclosure defense?
- Ask how many Chapter 13 cases they've filed involving mortgage arrears, whether they've worked with your specific lender before, what their fee structure looks like, and how they communicate as the case moves through court. A good attorney will also tell you upfront if bankruptcy isn't your best option, since a loan modification or sale sometimes makes more sense.
Guides to choosing bankruptcy chapter 7/13 to stop foreclosure
- What Chapter 13 bankruptcy costs when you're trying to save your home
Chapter 13 can stop a foreclosure and let you catch up on missed payments over time. Here is what it typically costs and how the repayment math works.