Don’t Lose Your Home—We Fight Foreclosures Even on Auction Day with an Emergency Bankruptcy

Even if your auction is today, we may still be able to stop it with an Emergency Bankruptcy.

If you're reading this and your home is about to be auctioned,

STOP AND CALL US RIGHT NOW. It’s not too late.

Through powerful legal tools like emergency bankruptcy, we can step in fast and give you a real shot at keeping your home. Whether you’ve just received a notice or you're on the brink of eviction, we act urgently to protect what matters most.

Many homeowners feel overwhelmed and unsure of their rights during this process. At Murray Law Firm, we help clients across Massachusetts take control through experienced foreclosure defense and legal support.

There are legal options available, and we are here to help you explore them, but time is of the essence in this situation.

How Emergency Bankruptcy Works

Emergency bankruptcy is a fast-track legal filing that can stop foreclosure or eviction immediately. It gives you time to breathe and make a plan, and it triggers something called the automatic stay, which puts a temporary halt to all collection activity.

This includes:

• Foreclosure auctions

• Eviction proceedings

• Wage garnishments

• Creditor harassment

A Family’s Foreclosure Was Days Away

One of our clients, a couple from Dorchester, called us after receiving notice that their home would be sold at auction within the week. They had fallen behind during the pandemic and hadn’t been able to catch up, despite both of them being back at work.

They were panicking, but they still had legal options and our support.

We reviewed their income and their mortgage documents and determined they qualified for a Chapter 13 bankruptcy. This would allow them to keep their home and pay off the arrears over time.

Due to the proximity of the auction date, we prepared an emergency filing—a partial bankruptcy petition that includes just enough information to trigger the automatic stay.

This halted the foreclosure process right away.

They later completed the remaining paperwork and now have a manageable repayment plan in place. Most importantly, they’re still in their home.

Newton Home Sold in Auction - With the right legal team, you can avoid this situation.

When to Consider Emergency Bankruptcy

This option may be right for you if:

• You’ve received a foreclosure sale notice or eviction order

• You want to keep your home and can make payments going forward

• You need time to organize your finances and stop aggressive collection efforts

• You qualify for Chapter 13 or Chapter 7 bankruptcy

  
  

Even if your situation feels urgent, you still have rights. Acting quickly can make a real difference.

What You’ll Need for an Emergency Filing

To get started, we’ll typically need:

• Basic identification

• A list of your creditors and debts

• Proof of income

• Recent mortgage or rental statements

• A brief overview of your assets

  
  

From there, we file what’s called a “skeleton petition,” and then you have 14 days to complete the remaining forms.

We Offer an Additional Solution: Our "Buy Now" Option

If keeping the home no longer feels realistic, we may be able to help through our Buy Now Option.

Through our trusted partner network, we can explore the possibility of connecting you with a buyer who can purchase your home quickly, before it goes to auction or foreclosure.

This option may allow you to:

• Avoid foreclosure and protect your credit

• Avoid Bankruptcy altogether

• Pay off your existing mortgage

• Receive flexible payment options, depending on the terms

• Stay in the home longer, if negotiated with the buyer

• Exit the situation with dignity—and in some cases, with equity in hand

  
  

This solution is not guaranteed, but we’re happy to review your case and connect you with our dedicated support team to explore whether it’s a good fit.

Talk to a Massachusetts Bankruptcy Attorney Today

If you’re facing foreclosure or eviction in Massachusetts, don’t wait. An emergency bankruptcy may provide you with the time and protection you need to develop a long-term solution.

We offer free consultations to review your case and walk you through your options—clearly and without pressure.