During this time you can typically stay in your home without paying the mortgage anywhere from two months to up to a year. Delaying the Inevitable Whether you face a judicial or non-judicial foreclosure, there are a few delay tactics you can employ to extend the amount of time you live in your home.

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Many people do not realize you can legally stop paying credit cards. There is no longer a debtor’s prison to punish those who refuse to pay debts. If you honestly incurred the debt without breaking any laws, you can stop paying it at any time.

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You can lose your home in less than 120 days if you do nothing. In New Hampshire, most home mortgages have a "power of sale" clause.. If you do not cure the default, you will soon receive an acceleration letter from the "mortgagee" (a. Up to the point of foreclosure sale, you can "reinstate" by paying back the lender all.

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However, you have to stay current and continue making payments. If you don’t, you won’t be able to discharge this obligation in the future, and the lender can come after you for the balance of the debt. If you have the chance to reaffirm a second mortgage and refuse, you may lose your home.

It used to be a fairly standard protocol. If you fell behind on your mortgage, after 60 – 90 days, the mortgage company would start the foreclosure process, and begin eviction proceedings. You could be out of your home in less than 6 months.

Once your lender starts to foreclose on your home, you still have the option to live there for at least several months. If you’ve decided you can’t pay off the mortgage, you can stop paying, wait.

Home > Chapter 13 > How Long Can I Stay In My House After Foreclosure?. How Long Can I Stay In My House After Foreclosure? By Scott Riddle Posted in Chapter 13, Chapter 7, Debt Collection & Foreclosure. If you have gone through the foreclosure process, maybe because you have decided to leave an expensive house and debt behind, and you are still living in the house, you are probably wondering.