However disturbing the idea of bankruptcy might initially seem, in fact, bankruptcy laws are there to help those who are unable to pay their bills. Once the required credit counseling from an approved United States Trustee agency is completed, the firm can advise you whether you should file under Chapter 7 or Chapter 13 Bankruptcy.
You must act immediately after getting the NOD but in no case may you wait past the trustees sale. After the sale, someone else owns your property, and you cannot get it back without re-purchasing. However, before the trustees sale you have options and should explore your options with an attorney. There are rare circumstances where you can undo a trustee's sale. However, it is best not to let your situation get this far.
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