Don't presume you've waited too long to prevent your home's foreclosure. Filing Chapter 13 bankruptcy or refinancing may also prevent a foreclosure. You have invested too much time, money and energy into your home to lose it to a foreclosure! Acting now you might be able to avoid deficiency judgments, which can linger after foreclosures.

Refinancing to Stop Foreclosure: if you are no more than 90 days late on mortgage payments and have considerable equity in your home, refinancing is an excellent way to stop foreclosure. A refinanced home loan allows you to consolidate all past-due payments into another loan, so that you can start paying with no overdue balance. In some cases, the refinanced loan actually has lower monthly payments or a lower interest rate than the original!

Chapter 13 Bankruptcy to Prevent Foreclosure: Filing Chapter 13 bankruptcy can prevent foreclosure immediately in most cases. The automatic stay prevents creditors from making any collection actions while the bankruptcy is pending. Chapter 13 bankruptcy filings allows you to catch up with your past-due payments over a period of three to five years, which means you can exit bankruptcy with no overdue balance. Successful Chapter 13 bankruptcy filings can prevent foreclosure altogether.

If you're not too late on mortgage payments and you have at least 10% equity in your home, refinancing might be your best bet to stop foreclosure. If you're late on mortgage payments and have less equity in your house, you should seriously consider using a foreclosure mitigation specialist to stop foreclosure, especially if foreclosure proceedings have already begun or are about to begin.

More info on your stop foreclosure information search:

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