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Safeguard Your Your Home and Assets

Facing foreclosure or repossession is a nightmare, but the attorneys at United Legal Advocates act swiftly to protect your home, car, and other essential assets.

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Foreclosure and Repossession Defense

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Our same-day emergency filings trigger an automatic stay under 11 U.S.C. § 362, halting auctions, seizures, and creditor actions instantly. Time is critical—our 24/7 availability ensures we stop creditors before it’s too late.​

The Foreclosure Timeline​

Foreclosure follows a strict timeline:

  • Day 1: Notice of Default (NOD) recorded after missed payments. The foreclosing lender must wait 90 days before they can record the Notice of Sale (NOS)
  • Day 91+: Notice of Sale may be recorded and sets an auction date at least 21 days from the date of recording the NOS.
  • Auction Day: The home is sold if no action is taken.

Filing bankruptcy before the auction triggers the automatic stay, stopping the sale. Post-auction, with few exceptions, it’s often too late to reverse the outcome, so don’t delay.​

Call Us for ADVICE HELP SUPPORT SOLUTIONS

(866) 855-0505

How We Stop Foreclosure and Repossession

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How We Stop Foreclosure​

  • ​Chapter 13 Power: Rolls missed mortgage payments into a 3–5-year repayment plan, bringing you current and out of default.
  • Lien Stripping: Removes underwater second mortgages in Chapter 13 if your home’s value is less than the first mortgage balance, reducing your debt load.
  • Emergency Filings: We file electronically in under two hours, even on weekends, to stop auctions. We make every effort to stop the sale—our success rate in emergency filings is exceptionally high

Pro tip: Filing bankruptcy before the auction triggers the automatic stay, stopping the sale. Post-auction, with few exceptions, it’s often too late to reverse the outcome, so don’t delay contact us today.​

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How We Stop Repossession​

​If your car or other secured assets (e.g., appliances, work equipment) are at risk, we have options:​

  • ​Chapter 7: Reaffirm the loan to keep the asset or redeem it by paying its current value. For example, a $15,000 car loan on a $10,000 car can be redeemed for $10,000.
  • Chapter 13: Cram down the loan to the asset’s value (for cars purchased over 910 days ago) or include payments in the plan to prevent repossession.
  • Negotiation: In Chapter 7 bankruptcy, we may negotiate with lenders to reaffirm loans or modify terms like lowering your interest rate.​​

Why Clients Love United Legal

“I thought it would be very difficult to proceed with bankruptcy,” but with United Legal Advocates, “everything went so smooth.” The most important thing was that “whenever I had a question or problem,” my attorney “replied immediately and solved the problem.”

Andre L.

Newport Beach,

California

Working with United Legal Advocates “transformed what could have been a daunting experience into a manageable and even empowering journey.” My attorney “took the time to explain every step of the process in clear, understandable terms, and always made me feel heard, respected, and supported.” Thanks to their guidance, I was able to “move through the bankruptcy process smoothly and confidently,” and they “enabled us to have a fresh start.”

Fay

Aliso Viejo,

California

“It was such an easy process for me” since United Legal’s team was “very knowledgeable and always there to answer any question or concerns that I had.” They “not only helped me to eliminate my debts also helped me to rebuild my credit.”

Faranak M.

Aliso Viejo,

California

The Chapter 7 program “gave me a fresh start by eliminating overwhelming debt and immediately stopping all creditor harassment.” It “brought peace of mind to me and my family,” and “within months of completing the process, I noticed an improvement in my credit and was able to begin rebuilding financially.” Working with the team at United Legal Advocates was a “smooth and reassuring experience.”

Julio B.

Orange,

California

This process saved our lives in a time where we needed it the most. We got a second chance.” From our first meeting, the team at ULA “took the time to explain the legal process in simple, reassuring language.” I am “profoundly grateful for [the] help” and would “recommend [them] without hesitation.”

Thomas A.

Woodland Hills,

California

“I already feel a huge weight lifted.” The “constant calls and letters from creditors have stopped, and for the first time in a long time, I can breathe.” With the guidance of ULA, “I now see a path forward,” and “for the first time in a while, I feel hopeful about my future.” The firm’s team has been “incredibly patient, understanding, and professional” and “never made me feel judged or overwhelmed – only supported.”

Jessica C.

Lake Elsinore,

California

“Filing for Chapter 7 was a tough and emotional decision,” but already “a few months later, I already feel the relief.” The “constant stress, calls, and pressure are gone,” and “for the first time in a long time, I feel like I can breathe again.” The “fresh start has brought peace of mind.” The team at ULA was “not only… strong and capable,” but “truly walked by my side through one of the most difficult times in my life.”

Natascha D.

Irvine,

California

The bankruptcy program “helped us to regain control of our finances, and great increase our future.” We are now “purchasing our 2nd home,” and “the future looks much brighter.” The team at United Legal Advocates “represented us very ably through this difficult process.” They still “consider us their clients and wanted to help immediately.” “You can’t do any better than Parisa Fishback,” our attorney at United Legal.

Matt C.

San Bernardino,

California

Filing for bankruptcy “turned out to be one of best decision of my life!” I had “no more harassing calls and it allowed me to get back on my feet and get my finances back in order.” “I was pleasantly surprised to see my credit rapidly improve much faster than anticipated.” The team at ULA is “so cool, intelligent… and knows how to navigate a bankruptcy’s like no other.”

Luke B.

San Juan Capistrano,

California 

“There are not enough words to express how professional and experienced” the team at ULA is. “Not to mention how extremely nice.” “Everything went perfectly smooth and easy and I am forever grateful. I would recommend…to anyone!”

GG.

Costa Mesa,

California

“I personally refer Parisa Fishback to anyone who mentions the subject or is in a state of financial duress.” “My wages were to be garnished soon” but ULA “accepted my case and shortly thereafter not only was my debt & looming debt was eliminated.” “I purchased a brand new vehicle surprisingly soon after my case ended” and now my credit score is 799! The team is “genuinely patient, kind, professional & efficient as heck.” “You won’t be sorry!”

Sonny G.

Irvine,

California

​​Facing a Foreclosure or Repossession Deadline?

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  • Call us today for immediate help. We act fast to save what matters most.​
  • When you choose United Legal Advocates, you’re joining a community of people who care deeply about your success.
  • We become your partners in recovery, your defenders in adversity, and your champions for a better tomorrow.
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