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Filing bankruptcy doesn't mean losing the house, and it doesn't mean you're stuck with it either. Plenty of people in Chapter 7 or Chapter 13 decide the house is the one asset that can fix the rest of the plan, and the hard part is finding a buyer who can wait on a court.
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Filing bankruptcy doesn't mean losing the house, and it doesn't mean you're stuck with it either. Plenty of people in Chapter 7 or Chapter 13 decide the house is the one asset that can fix the rest of the plan, and the hard part is finding a buyer who can wait on a court.
A house in bankruptcy is part of the estate, so selling it runs through the case. In Chapter 13, your attorney files a motion to sell with the U.S. Bankruptcy Court for the District of Nebraska, the trustee reviews the price, and a judge signs off before anyone closes. In Chapter 7, the trustee may decide to sell it to reach equity above the homestead exemption, or abandon it back to you. Either way, a buyer who needs financing, inspections, and a quick close is the wrong fit. A cash buyer fits the calendar the court sets. We give you a written offer your attorney can attach to the motion, we don't ask for repairs, and our number doesn't move while the trustee and creditors have their notice period. The mortgage, any liens, and the trustee's share are paid from proceeds at closing. Any condition, as-is, no fees or commissions, and we cover standard closing costs.
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Usually yes, with permission. Your bankruptcy attorney files a motion to sell, the Chapter 13 trustee and creditors get notice, and the court approves the sale before closing. Selling can pay off the plan early or cure arrears you can't keep up with. We provide a written cash offer for the motion and hold that price while the approval runs. The offer we make is the offer you get, with no renegotiating at closing.
If the trustee abandoned the house or your case is closed, it's typically back in your hands and sells like any other property. The discharge wipes out your personal liability on the debts, but a mortgage or judgment lien recorded against the house still has to be paid from the proceeds at closing. Title confirms what's still attached. Ask your attorney to confirm the case status before you sign anything, and we'll work to the date you choose.
Yes. When a Chapter 7 trustee is selling to reach non-exempt equity, the trustee is the seller and the court approves the terms. We can make a cash offer on the house as-is, which spares the estate repair costs, showings, and a buyer whose loan falls through. Your exempt share is paid to you from the proceeds. Talk with your attorney first; they know your exemptions and can tell you whether buying the equity back is an option.
The automatic stay pauses foreclosure when you file, which can buy time to sell instead of losing the house at a foreclosure sale. That pause can be lifted if the lender asks the court and you're behind, so the clock still matters. A cash offer in 24 hours and a close in as little as 7 days gives your attorney a concrete sale to put in front of the court before the lender's motion gets heard.
Omaha and the surrounding metro: Bellevue, Papillion, La Vista, Elkhorn, Gretna, Millard, Ralston, Council Bluffs, and the rest of Sarpy and Douglas counties.
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