From your first confidential consultation to a resolved situation — our proven foreclosure prevention process works.
You tell us your situation — completely confidential, no judgment. We review your mortgage status, how many payments you've missed, any legal notices you've received, and your overall financial picture.
What to have ready: Your mortgage statement, any notices from your lender or the court, and a general idea of your home's current value. Don't worry if you don't have everything — we'll work with what you have.
Within 24 hours, we prepare a complete assessment of your situation. This includes every viable option available to you based on your province's foreclosure laws, your equity position, and your lender's policies.
Options we evaluate:
We present every option with honest, straightforward advice — including what's realistic and what isn't. You remain in full control at every stage. We never pressure you into a decision.
Whether you want to keep your home through mortgage restructuring, sell on your own terms before foreclosure, or pursue private refinancing — the choice is always yours.
Once you've chosen your path, our team handles the heavy lifting. We communicate directly with your lender, coordinate with legal professionals, manage paperwork, and keep you informed every step of the way.
You focus on your family. We focus on stopping the foreclosure.
Understanding how fast foreclosure moves in your province is critical. The sooner you act, the more options you have.
Timeline: 6-12+ months. Alberta uses judicial foreclosure, which requires court proceedings. After missed payments, your lender files a Statement of Claim. You have the right to file a defence, request more time, or negotiate. This is often the most time you'll have in any province.
Timeline: 35-45 days after notice. Ontario lenders can use Power of Sale, which is significantly faster than judicial foreclosure. Once the Notice of Sale is issued, the clock starts ticking quickly. Early action is essential.
Timeline: 3-8 months. BC uses a court-ordered sale process. The lender must apply to court for a Conduct of Sale order. The court sets the terms, timeline, and minimum price. You have legal options to respond.
Timeline: 6+ months. Saskatchewan's Land Contracts (Actions) Act provides significant protections for homeowners, including mandatory waiting periods before a lender can take action.
Timeline: 4-8 months. Manitoba uses a power of sale process that requires notice periods. Homeowners have the right to redeem the property by paying arrears within the notice period.
Timeline: Varies. Nova Scotia, New Brunswick, PEI, and Newfoundland each have different foreclosure processes. Most involve court proceedings with opportunities for homeowners to respond.
Every day that passes reduces your options and increases legal costs. A free consultation takes 15 minutes and could save your home.