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Whether you're a few weeks behind on payments or already facing active foreclosure proceedings, there are more options available than you may realize.
You've received formal foreclosure paperwork or a Statement of Claim. The clock is ticking but it's not over yet — there's typically a redemption window where you still have leverage.
Power of sale moves faster than judicial foreclosure. We've helped homeowners stop the process even after the lender has begun marketing the property.
You're 1, 2, or 3 payments behind. The bank's calls are getting more serious. This is the BEST time to get help — early action gives you the most options.
Municipal tax arrears can trigger their own enforcement process separate from your mortgage. We can help you understand and address both at once.
Job loss, divorce, health crisis, family emergency — sometimes the right move is a fast, private sale on your timeline rather than a public listing.
The big banks said no. We work with private lenders who specialize in second-chance financing — and if that's not the right fit, we'll tell you honestly.
Simple, transparent, and entirely at your pace. You can walk away at any step.
A 15-minute call where we listen. No pitch. No pressure. You tell us what's going on and we tell you what we see.
Within 24 hours we send you a plain-English summary of every option that makes sense for your situation — including ones that don't involve us.
You decide what to do. If our offer isn't right for you, we'll connect you with the broker, lawyer, or counsellor who is.
If you choose to work with us, we coordinate directly with your lawyer and the lender. You stay in control and informed at every step.
You'll talk to a person, not a bot or a call centre. Our team is based in Canada.
We don't charge homeowners for consultations, referrals, or advice. We earn only when a purchase closes — at a price you agree to.
Walk away at any step. No retainers. No obligations. If we can't help, we'll tell you who can.
It depends on your province. Judicial foreclosure provinces (AB, SK, MB, QC) typically take 4-8 months from first missed payment. Power-of-sale provinces (ON, BC, NS, NB, NL, PEI) can move significantly faster — sometimes as little as 90 days once a demand letter is issued.
Foreclosure (judicial) requires the lender to go through the courts and prove their case before taking the property — slower and more procedural. Power of sale lets the lender sell the property without taking title themselves first — faster and used in ON, BC, and Atlantic provinces.
Yes — usually. Most provinces give you a "redemption period" where paying the arrears (or selling) stops the process entirely. The earlier you act, the more options you have. Even after a court order, many situations can still be reversed.
A bankruptcy filing triggers an automatic stay that pauses most creditor actions, including foreclosure — but it's typically a last-resort option with serious credit consequences for 6-7 years. We always recommend exploring other paths first and speaking to a Licensed Insolvency Trustee before filing.
A completed foreclosure stays on your credit report for 6 years from the date of first delinquency and can drop your score by 100-200 points. Selling before the foreclosure completes can preserve your credit significantly — that's one reason we move fast.
If your property is worth more than what you owe (including all costs to clear title), yes — that equity is yours and we structure our offers to make sure you walk away with cash. If you're underwater, options narrow but they still exist.
Every day that passes is an option that may disappear. Get a free, confidential assessment today.
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