[YOUR BRAND][YOUR BRAND]Foreclosure Defense
48-Hour Emergency

Your Auction Is
Within 48 Hours

Stop reading. Start calling. Every minute matters. Below are the four actions you must take right now, in this order.

Act Now

Four Actions. Do Them In Order.

01

Call Your Lender Right Now

Call the loss mitigation line — not customer service. Tell them you have an imminent auction and need an emergency postponement review. Get a case number. Write down the rep's name and time of call.

Call loss mitigation NOW
02

File for Bankruptcy (Ch. 13)

A Chapter 13 filing creates an automatic stay that legally halts the auction immediately upon filing — even same-day. Contact a bankruptcy attorney. Many offer same-day emergency filings.

Contact a bankruptcy attorney
03

Contact a HUD Counselor

HUD-approved housing counselors can sometimes negotiate emergency postponements directly with servicers. This service is free. Call 1-800-569-4287.

Call HUD: 1-800-569-4287
04

Contact Your State AG Office

Some states have emergency homeowner hotlines that can intervene with servicers. Contact your state Attorney General's consumer protection division.

Find your state AG office

HUD Emergency Line

1-800-569-4287 — Free HUD-approved housing counselors available now.

Legal Aid

Search "legal aid foreclosure [your state]" for free emergency legal representation.

Bankruptcy Filing

Search "emergency Chapter 13 filing [your city]" — many attorneys file same-day for urgent cases.

If your auction is more than 48 hours away, you have more options. Return to the main process.

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