We Stop Foreclosure
How Foreclosure Works in Georgia
Georgia is what’s known as a non-judicial foreclosure state. That means your lender doesn’t need to take you to court to foreclose. Instead, the process is carried out under the “power of sale” clause in your deed of trust or mortgage.
Here’s what happens:
Notice of Foreclosure Sale
By law, the lender must give you at least 30 days’ written notice before the property can be sold. That notice also has to be published in the county’s legal newspaper for four consecutive weeks. (O.C.G.A. § 44-14-162).
Auction
Sales are held on the first Tuesday of the month at the county courthouse, where the property is auctioned to the highest cash bidder.
Your Rights Before the Sale
You have the right to:
⦁ Reinstate your loan by paying all missed payments, penalties, and legal costs.
⦁ Redeem the property by paying off the balance in full before the sale is finalized.
Because the process is non-judicial, the timeline is much faster than in many states. That’s why early action is critical.
Alternatives to Foreclosure
- Reinstatement–Pay the arrears (plus fees) before the sale date to bring the loan current.
- Loan Modification–Negotiate with your lender for new terms, potentially lowering monthly payments.
- Short Sale–With lender approval, sell the property for less than the mortgage balance.
- Deed in Lieu–Voluntarily transfer ownership to the lender to avoid foreclosure proceedings.
- Direct Sale to Us–We can purchase your home quickly before the auction, allowing you to:
- Avoid the stigma and damage of foreclosure.
- Walk away with equity.
- Protect your credit history.
Behind on Property Taxes?
- The county can sell a tax deed at public auction.
- Afterward, the homeowner has a 12-month redemption period (sometimes longer) to repay the debt, plus interest and fees, to reclaim the property.
- Help you bring the account current so you keep your home.
- purchase the property directly, letting you avoid the uncertainty of the auction.
Who We Help
- More than 30 days behind on mortgage payments.
- Have received a foreclosure notice.
- Are struggling with unpaid property taxes.
- When you face code Enforcement: Demolition Order, Citations
Why Work With Us
- We focus on education – giving you clarity on the law, not just pressure to make a decision.
- We tailor solutions – every case is unique, and our approach is built around your goals.
- We move quickly – Georgia’s foreclosure process is fast, but we know how to act faster.
- Free Consultation - We evaluate your situation; understand your needs
Take the First Step
The longer you wait, the fewer options you’ll have. Why fall into a hole that can take years to climb out of when you can stop the process now?
Call us today for a free, confidential consultation.
Fill out the form below and let us create a personalized plan for your situation.
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Let's Talk About Your Options! No Pressure, Just Help.
You don’t need to face foreclosure alone. And you don’t have to settle for losing everything.
We’ll talk through your situation and help you make the best move, even if that means keeping your house. Our mission is to provide clarity, support, and a solution tailored to you.
We’ll talk through your situation and help you make the best move, even if that means keeping your house. Every homeowner is different, and we work to find the right fit.
Close Fast – As little as 7 days.
Stay or Move Later – Flexible move‑out options.
Foreclosure Help – Mortgage or sheriff’s foreclosure, we’ll step in with solutions.
Code & Repair Issues – Violations, demolition orders, or costly repairs we still buy as‑is.
Probate & Legal Help – Our legal team ensures you can sell, even with probate issues.
Relocation Needs – Move on your timeline with our support.
Whatever the situation. You think it, we do it. We have a solution.