Foreclosure Defense Attorney in Memphis, TN

Don’t Lose Your Home. Learn How Bankruptcy Can Stop Foreclosure Today.

If you have received a notice of foreclosure or a date for a trustee’s sale, time is of the essence. At Arthur Ray Law Offices, we help Memphis homeowners use federal bankruptcy laws to stop the foreclosure process in its tracks.

How the “Automatic Stay” Protects Your Home

The moment you file for bankruptcy (either Chapter 7 or Chapter 13), a legal injunction called the “Automatic Stay” goes into effect. This order:

• Immediately stops a foreclosure sale or auction.

• Prevents the bank from taking further collection actions.

• Gives you the breathing room needed to reorganize your finances.

Chapter 13: Catch Up on Missed Payments

For many Memphis residents, Chapter 13 bankruptcy is the best tool for foreclosure defense. It allows you to create a 3-to-5-year repayment plan to pay back missed mortgage installments (arrears) while keeping your regular monthly payments current.

Why Choose Arthur Ray Law Offices?

With decades of experience in the Memphis bankruptcy courts, Arthur Ray understands the local rules and the lenders. We work quickly to file your case and protect your property.

^*For those who qualify under federal law.