Urgent help
Foreclosure defense
Got a foreclosure summons or a sheriff's sale date? There is often still time to act. Let's look at it today.
5 min read · Plain English · Updated for 2026
- Response
- Same day call back on business days for court deadlines
- Review
- Free Chapter 13 from $4,500 if it is the right path
- Bring
- The papers the summons, judgment or sale notice
What it is, in plain words
In Wisconsin, a foreclosure goes through the circuit court. That takes time, and it gives you chances to respond. Depending on where your case is, the options can include answering the lawsuit, a loan modification, Chapter 13 to catch up missed payments, or a planned sale on your terms.
We read the court papers first, find the deadlines, and tell you plainly which options are still open. Sometimes keeping the house is realistic. Sometimes the kinder plan is a soft landing, and we will say that too.
Call us if
- You received a foreclosure summons and complaint
- You are a few payments behind and the letters are getting serious
- A sheriff's sale date has been set
- You want to know whether you can keep the house, or leave on your own terms
Good to know
- A bankruptcy filing usually pauses a sale, but it does not erase the mortgage
- Keeping the house means being able to afford the regular payment going forward
- If you filed bankruptcy in the past year, the pause may be shorter or may need a court order
Step by step
How it usually goes with us
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01
Call or book today
Tell us the next date on your papers. Court deadlines go to the top of the list.
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02
We read the papers
We check the lawsuit, the amounts claimed and where the case stands.
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03
Options in writing
Answer, modify, Chapter 13, or a planned sale: costs and trade-offs side by side.
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04
Act before the deadline
Whatever you choose, we file or negotiate in time for the date that matters.
How a Wisconsin foreclosure usually moves
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1
Missed payments and letters
Your lender sends notices. This is the best time to talk to someone, because every option is still open.
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2
Summons and complaint
The lender files a lawsuit in circuit court. There is a short deadline to respond, so do not set it aside.
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3
Judgment
If the case goes forward, the court enters a judgment. A waiting period usually follows before any sale.
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4
Sheriff's sale
The home is sold at auction. A Chapter 13 filed before the sale can usually pause it.
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5
Confirmation of sale
The court confirms the sale. Options get much narrower after this point.
A general outline only. Timelines and deadlines depend on your mortgage, your county and your case.
Foreclosure
Questions people ask us
The sale is next week. Is it too late?
Maybe not. A Chapter 13 filed before the sale can usually pause it. Call today, tell Jasmine the sale date, and an attorney will call you back the same business day.
Will I have to move out right away?
No. Even after a sale, the court has to confirm it, and there are steps before anyone can be asked to leave. We explain where you are and how much time you likely have.
Can I try a loan modification first?
Yes, and sometimes that is the best path. We can help you apply while keeping an eye on the court deadlines, so you do not lose options while you wait for the lender's answer.
Other options to compare
All options-
Fresh start
Chapter 7 bankruptcy
A fresh start for many unsecured debts, usually in about four months, while you keep what the law protects.
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Repayment plan
Chapter 13 bankruptcy
A three to five year plan that can pause a foreclosure, catch up missed house or car payments, and protect what you want to keep.
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Urgent help
Stop wage garnishment
When part of every paycheck goes to a creditor, filing usually stops most garnishments for ordinary debts. Let's check yours.
Free consultation
A date on the paper? Tell us today.
Court deadlines go to the top of the list. Book online or call, tell Jasmine the date, and an attorney calls back the same business day. The review is free.
