Emergency Foreclosure Help in California: What to Do When Time Is Running Out

You Still Have Options — Even This Week

If your trustee sale is days away, don't stop reading. Here's what's still on the table.

Bankruptcy Auto-Stay

Filing for Chapter 13 bankruptcy creates an automatic federal stay that stops ALL collection activity — including a scheduled trustee sale — the moment you file. Even the morning of the sale.

Loan Reinstatement

You can reinstate your loan by paying all past-due amounts up to 5 business days before the sale. NFDA can connect you with reinstatement funding resources.

Trustee Postponement

Trustees have discretion to postpone sales. If loss mitigation is actively pending, a trustee may agree to delay. NFDA advocates know how to make this call effectively.

Emergency Loss Mitigation Application

If you submit a complete loss mitigation application more than 37 days before a sale, the servicer legally cannot proceed until a decision is made.

Call NFDA Now

Do not spend time searching the internet. Call NFDA directly: 949-484-9849. We handle emergency cases the same day. Visit www.thenfda.com.