One simple method to fight a bank foreclosure is to file an Answer to the Complaint.  In Kentucky, if a person fails to file any answer, the Bank will foreclose within about 2-6 months and a person will be evicted by Default Judgment.  Filing an Answer will often allow an individual to stay in the home from 6 months to 2 years longer.  If you fail to file an answer to the foreclosure you may not receive notice of future foreclosure proceedings and not even be notified of the foreclosure sale.  Debtors have come home to their possessions sitting on the sidewalk.  

If you choose to file an Answer, the  process is normally just temporarily avoided.  It may be important to stay in the home for a year or two while the foreclosure goes through the Kentucky court system.   Fighting the bank will increase the attorney fees and bank charges.  It deducts from your equity but if there is no equity in the property and your eventual answer is a bankruptcy, fighting in court is an effective method to stay in the home longer.

There are many methods to avoid, stop, or cure a bank foreclosure and everyone's situation is different.  The Treasury Making homes affordable guidelines allow some deeds in lieu however that may cause tax problems.   Hud's guide on How to avoid foreclosure is also here.  If you are stuck in a lawsuit see us for help.   Please beware of Rescue scams claiming to help you stop a Kentucky foreclosure and here is a timeline of the foreclosure process.

If you have had a lawsuit filed against you then seek an attorney immediately to answer the lawsuit or file a bankruptcy to save your home.   If you have not had a foreclosure lawsuit filed against you this is the link to the state of Kentucky's avoid foreclosure website.