Stopping Foreclosure in Moreno Valley: Your Options

In California you have until roughly five business days before the trustee’s sale to reinstate your loan by paying the arrears, and until the moment the sale happens to stop it by filing bankruptcy. Those two deadlines define everything. Where you sit relative to them decides which options are real and which have already closed.

The timeline that governs your case

California foreclosures are typically non-judicial, so no court is involved and nobody sues you. The lender records a Notice of Default. A statutory period runs. Then a Notice of Trustee’s Sale is recorded with a sale date. Because there is no lawsuit, the recorded documents are your only formal warning — which is why homeowners routinely underestimate how little time is left.

Option 1 — Reinstate

California gives you the right to cure the default by paying the arrears plus permitted fees up to a set point before the sale. Simple if you have the money; not an option if you do not.

Option 2 — Loan modification

Worth pursuing, with a caution: California restricts a servicer from advancing foreclosure while a complete modification application is under review. Keep written records of everything you submit and when.

Option 3 — Chapter 13 bankruptcy

Usually the strongest tool for a homeowner with income. Filing triggers the automatic stay, which stops a scheduled sale immediately. You then cure the arrears over a three-to-five-year plan while resuming regular payments. Crucially, the lender does not have to agree — the plan is confirmed by the court.

Option 4 — Chapter 7 bankruptcy

Does not cure arrears, so it will not save a home long term on its own. But it stops the sale temporarily and wipes out other debt, which sometimes makes the mortgage affordable again on its own.

Option 5 — A planned exit

When the numbers genuinely do not work, a short sale or deed in lieu is a far better outcome than a foreclosure sale — more control over timing, and less damage to your credit.

Two warnings

California law bars foreclosure consultants from collecting an advance fee before performing the promised service. And no legitimate rescue ever requires you to transfer title to your home to someone else. Both are classic signs of a scam that targets people in exactly your position.

Speak to the Moreno Valley office

Hedtke Law Group has an office in Moreno Valley serving Moreno Valley, Riverside, Woodcrest, Mead Valley and Redlands.

Hedtke Law APC — Moreno Valley
24384 Sunnymead Blvd, Suite 140, Moreno Valley, CA 92553
Phone: (951) 746-1722
Website: bankruptcymorenovalley.net

Facing foreclosure nearer Fontana? Our Fontana foreclosure attorney office serves Fontana, Rialto, Colton, Bloomington and Jurupa Valley.