With every day that the sale date for your home moves closer
, it gets harder and harder to stop the sheriff sale on your home. The sooner that you are able to develop and implement a plan to save your home, the better off you will be and the less money you will owe the bank. So what options are available to you? How do you stop that sale from taking place?
The first place to start is by trying to work with your mortgage company. You may need to call them several times and leave several messages before you are able to talk to an actual human being. If you have to leave a message, be as calm and courteous as you can. And once you actually get to talk to someone, be as calm and courteous as you can with them as well. Explain your situation clearly and honestly so that they can give you an accurate answer of what your mortgage company can do for you.
If your bank either cannot or will not work with you, declaring bankruptcy can help you to stop the sheriff sale and make your mortgage payments more affordable. There are certain requirements that you must meet to file bankruptcy. It is a good idea to discuss your options with a qualified bankruptcy attorney in your area. Many will give free consultations so you do not lose anything by going to talk to them.
If neither of the above options works for you, talking to an attorney that specializes in foreclosure or trying to get help from a reputable consumer credit counseling service are also good options. Many states and local governments have free credit counseling resources to help people in foreclosure. That is certainly a good place to start to get help.