The Double Save: How Strategic Advocacy Rescued Mr. L’s Home Twice

The Initial Crisis: Halting the Foreclosure

When Mr. L first came to DebtStoppers, he was facing the imminent sale of his home.

To stop the foreclosure, we filed a Chapter 13 bankruptcy, which immediately halted the sale and gave him court protection. His repayment plan was approved, allowing him to catch up on his mortgage arrears over time, without interest or penalties, while eliminating the remainder of his unsecured debts.

The Unexpected Setback: A New Threat to the Home

Everything was back on track. Then the unexpected happened.

After his case was filed, Mr. L’s home suffered significant damage and caused him renewed financial strain from the repairs. He fell behind again on his mortgage payments. The lender moved to proceed with another foreclosure sale. With less than two weeks before the scheduled sale, the situation was dire.

The Strategic Response: Rapid Legal Action

Rather than accept defeat, his DebtStoppers attorney acted quickly and strategically.

We worked directly with the Chapter 13 Trustee and successfully secured a discharge order in very little time to complete his case. This critical step allowed Mr. L to file a new case in good faith and regain court protection before the foreclosure sale could proceed.

The Result: Total Protection and a Path Forward

Today, Mr. L still owns his home.

He now has five years to repay his mortgage arrears with no interest or penalties, and because of the discharge from his prior case, all of his other unsecured debt has already been eliminated.

His home is protected.His debt burden is dramatically reduced.And he has a structured path forward.

Conclusion: Don’t Walk Away, Find a Solution

Life does not always go according to plan. When setbacks happen, don’t walk away. Find a solution.