Foreclosure is the process by with your lender put your home up for sale to gain their money back from the amount gotten from the sale. After missing your payment for a couple of months, your lender can initiate foreclosure and sell your home. Once the house is sold, you will receive an eviction notice with the deadline stated within the letter. If you fail to move out of the house after the noticed date, you can be arrested and treated harshly. Stopping eviction depends on the type of foreclosure process used.

If your state uses a judicial foreclosure process, you can stop the foreclosure by filing a lawsuit against your lender. The process usually requires that you provide reasons why your lender can’t evict you from your home. It is usually better if this defense has been filed to court before a final judgment of foreclosure was passed. However, depending on the defenses you use, you can still stop the eviction and probably cancel the foreclosure date using this method.

Suppose your state makes use of a non-judicial foreclosure process, it can be almost impossible to stop eviction after a foreclosure sale has been concluded. It would be best if you can stop the foreclosure before a foreclosure sale occurs. There are many options available that can help you stop foreclosure and prevent eviction. Many of those options include loan modification, short sale, refinancing, etc. Your lender will be glad to negotiate these options with you and help you get back on track with your mortgage payments.

Although some state law permits you to redeem your home after it has been sold, most states do not. States like Florida will give homeowners a ten-day grace after their home has been sold to pay off their loan and retain their house. However, it’s best to put more effort into stopping foreclosure than stopping the eviction. The reason is that once a foreclosure sale has been concluded, eviction is inevitable.