The Foreclosure and Eviction Moratoriums Are Over. Now What?

foreclosure and eviction kansas city

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With the foreclosure and evictions moratoriums over, housing situation could change for many people. The federal government, states and some cities had imposed foreclosure and eviction moratoriums during the pandemic to try to help people stay in their homes longer.

Those moratoriums have now ended and there is likely going to be a glut of foreclosures and evictions within the next few months.

If you are a homeowner facing foreclosure,

If you are a homeowner facing foreclosure, you could seek a forbearance if you haven’t already to buy yourself a little extra time to figure out what to do.  Also, you could seek a loan modification, which generally is a good way to just move the arrearages on your mortgage to the end of the loan so you can be considered “current” which would stop a foreclosure sale. Or you can see if a Chapter 13 bankruptcy will help you save your home.

Now that the foreclosure and eviction moratoriums are over

Now that the foreclosure and eviction moratoriums are over, a Chapter 13 bankruptcy can be a very powerful tool if the homeowner doesn’t otherwise have the means to get caught up and/or is denied a loan modification. A Chapter13 bankruptcy is a way to force the mortgage company to work with the homeowner so he/she can try to save the home from foreclosure.

If you are a renter

If you are a renter, you should contact our office immediately to find out if a Chapter 7 or a Chapter 13 or some other option would be more appropriate given your circumstances.

If you are facing foreclosure or eviction, don’t wait too long before finding out if bankruptcy is a viable for you to save your home. Contact one of our experienced attorneys to find out what your options are.

We are here to help!

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Jeffrey L. Wagoner


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