Foreclosures - Clark and Washington

Home Foreclosures & Evictions

Want to Save Your Home & Stop Foreclosure in Atlanta?

You don’t have to lose your house.
Learn how Georgia law and federal bankruptcy protections can halt the foreclosure process today.

Most homeowners don’t realize that even if a sale date is set, you still have powerful legal options to keep your keys and stay in your home. At Clark & Washington, we help Georgia families turn a “final notice” into a fresh start.

What Should I Expect During a Home Foreclosure?

Individuals who use borrowed money as collateral for a loan may be at risk for foreclosure if they cannot pay back the money they owe.

Georgia is a non-judicial foreclosure state which means that once you fail to make payments on a loan on time, or default, the lender can start foreclosure proceedings without filing a lawsuit first. The Georgia law also requires that a creditor must give a debtor at least 30 days before they can sale the debtor’s property.

After the lender has completed necessary filings with the county, they can hold a foreclosure sale at the local county courthouse. A lender may also sue a borrower when a sale of the property does not cover the amount that is owed.

Can Filing for Bankruptcy Really Stop a Foreclosure?

In most situations, the answer is a definitive yes. When you file for bankruptcy, you can immediately suspend foreclosure proceedings, halt creditor harassment, and begin reorganizing your finances.

Our Atlanta bankruptcy attorneys specialize in helping you catch up on missed mortgage payments through a structured plan. By filing, you aren’t just delaying the inevitable, you are creating a legal path to permanent home ownership.

How the "Automatic Stay" Protects You

The most powerful tool in bankruptcy is the Automatic Stay. As soon as your attorney files your case, a federal injunction goes into effect. This order legally prohibits creditors from:

- Continuing foreclosure proceedings.
- Enforcing liens on your property.
- Contacting you via phone or mail.
- Attempting to sue you or garnish your wages.

This stay applies to both Chapter 7 and Chapter 13 filings and goes into effect the moment your case hit the court’s system.

What Are My Options if I am Facing Foreclosure in Atlanta, GA?

If you are at risk of losing your property, you may feel like you’re out of time. However, depending on your goals, there are several paths forward:

Curing the Default: Paying the past-due amount in full before the sale date.
Short Sale: Selling the property for less than the mortgage balance to avoid a foreclosure on your credit report.
Deed in Lieu of Foreclosure: Voluntarily granting the property back to the lender.
Legal Injunction: Working with an experienced attorney to see if a court-ordered stop is possible.
Bankruptcy Protection: The most common way to stop a sale and keep the home.

Contact Our Metro Atlanta Office for a Free Consultation

The thought of losing your home or apartment is undoubtedly frightening, but you have options to avoid eviction or foreclosure. Clark & Washington, Attorneys at Law provides debt relief consultations at any of our 12 metro area locations.

Call us at 770-488-9300 or schedule online for your free initial consultation.

Contact Us

Have questions about bankruptcy or wondering if it’s the right option for you? Our experienced team is here to provide clear answers and personalized support. Fill out the form to get started—your consultation is free, and your information is always kept confidential.