Stop the Foreclosure Sale of Your Home Before It’s Too Late.
In Tennessee, lenders can foreclose without going to court in as little as 21 days after publishing notice. Federal bankruptcy law gives you the power to force them to stop immediately.
Because Tennessee is a non-judicial foreclosure state, mortgage lenders do not need a judge's permission to auction your home after publishing a Notice of Trustee's Sale for three weeks. Filing a Chapter 13 bankruptcy with Ringger Law in Jackson, TN triggers an immediate federal injunction (11 U.S.C. § 362 Automatic Stay) that cancels the foreclosure sale and forces the mortgage company to let you catch up on missed payments over 3 to 5 years.
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Speak directly with Attorney Louis W. Ringger Jr. or our Jackson team by phone or in person.
How Stop Foreclosure in Jackson & West Tennessee Works at Ringger Law
Bring Your Foreclosure Notice Immediately
Call (731) 421-1501 as soon as you receive a breach letter or Notice of Trustee's Sale. We offer same-day emergency consultations.
Emergency Skeleton Filing (If Auction Is Days Away)
If your sale date is imminent, we can file an emergency bankruptcy petition to get a federal case number within hours and fax notice directly to the foreclosing trustee.
Cure Arrears Over 60 Months
Instead of paying $10,000+ upfront to reinstate your loan, your past-due payments are broken into affordable monthly installments.
Keep Your Family in Your Home
Resume your normal ongoing mortgage payment while court protection shields your home from mortgage servicers.
Frequently Asked Questions: Stop Foreclosure
How late can I file bankruptcy to stop a foreclosure in Tennessee?
Legally, a bankruptcy petition stops a foreclosure sale as long as it is filed before the auction takes place on the courthouse steps. However, you should contact Ringger Law as early as possible so we can prepare your full protection plan without last-minute stress.
Why won't my mortgage company accept a partial payment?
Once a loan enters foreclosure in Tennessee, mortgage servicers almost always refuse partial payments and demand 100% of the past-due balance plus legal fees in a single lump sum. Chapter 13 bankruptcy overrides their refusal and legally forces them to accept a 3-to-5-year catch-up schedule.