How to Stop a Home Eviction

You may be able to fight an eviction notice, or negotiate your way out of eviction from your home.

When you get an eviction notice for your home, you may feel panicked and not know what to do. An eviction notice is never good news. Luckily, there are a few ways that you, as a homeowner, can stop the foreclosure and eviction from your house. Remember that your lender loses money on an eviction, and they will be willing to stop the eviction if you try hard to work with them. Don't let your home be taken away from you; stop a home eviction before you find yourself without a home at all.

Instructions

1. Bring your account current. If the eviction is the result of a foreclosure against you, you will have 90 days from the arrival of the initial foreclosure and eviction notice to pay what you owe on your account to stop the eviction proceedings. You do not have to pay the full amount of the loan, simply the amount you owe for mortgage payments. If you are a tenant in a foreclosed property, anyone who buys the property will be required to give you at least 90 days to vacate -- maybe longer if you have a lease that preceded the foreclosure action.

2. Consider filing for Chapter 7 or Chapter 13 bankruptcy. Although it is by no means an ideal solution, bankruptcy can help you keep your home. A bankruptcy will effectively halt all creditor actions or motions against you, including an eviction.

3. See if your lender or landlord will make a deal with you to stay in the home. For instance, if you agree to pay the mortgage or rent, plus 15 percent each month. When you come to an agreement, put it in writing, sign the document and then keep a copy of it on file for future reference.

4. Consider taking the issue to court. If you feel like you are being wrongly evicted, file a suit against the lender or landlord and bring it to court. There are many reasons why you might bring the issue to court, such as the landlord evicting you without just cause, or a lender who is sending you an eviction notice when you've offered to bring the account up to date.

References

• Connecticut Network for Legal Aid: Evictions