Georgia foreclosure help for homeowners
Georgia forecloses on the first Tuesday of every month.
Know your date. Know your options.
We help you make sense of the letters, see how much time you really have, and find every way forward. Timing is critical in a Georgia foreclosure, so act fast.
Mon–Sat, 8 a.m.–8 p.m. ET. No cost, no obligation.
Georgia sale days
Live calendarPick a sale day to see how much time is left and when the notice is due.
13days until Tuesday, October 6, 2026
The notice window for Oct 6 has closed. If you already have a notice with this date, there is still time to act. Call today.
Sales are held at the county courthouse between 10 a.m. and 4 p.m. O.C.G.A. §§ 44-14-162, 9-13-161
Timing is critical. Act fast.
Every option below needs lead time, and Georgia sells on the first Tuesday of every month. Start with whichever one fits where you are today.
Your options
Catch up, change the loan, or sell before the sale date. Compare every path side by side.
Learn more about Your options
Timeline
Enter the date on your notice and see your sale day and every deadline before it.
Learn more about Timeline
Call scripts
Word-for-word scripts for calling your servicer and getting everything in writing.
Learn more about Call scripts
Sell fast
If selling is your best option, we're ready to help with transparent, no-obligation offers and a quick close.
Learn more about Sell fast
Non-profit support
HUD-approved counselors, legal aid, and state agencies we point homeowners to.
Learn more about Non-profit support
How getting help works
Call or send your details
Tell us what's happening and share the date on any letter you've received. Timing is critical in a Georgia foreclosure, so call as soon as you can.
We walk through your dates and options with you
We explain your Georgia timeline and every path that fits your situation, while there is still time to use them.
You decide what's next, with no obligation
Keep the home, get outside help, or sell before the sale date. The choice is yours.
No paperwork to start. No pressure. Deadlines pass quickly, so act fast.
KeepMyKeys also buys homes in metro Atlanta and across Georgia when selling is the better path.
Call (555) 010-2468Where are you right now?
Pick the closest match. We'll tell you what it means in Georgia and what to do this week.
What this means
You have the most options at this stage. Federal rules generally keep a servicer from starting foreclosure until you are more than 120 days behind, and that time is yours to use.
12 CFR § 1024.41(f)Do this now
- Open every letter from your servicer, even the ones you dread.
- Call your servicer and ask for a loss-mitigation application.
- Book a session with a HUD-approved housing counselor. They do not charge homeowners.
- Start a call log: date, name, reference number, what was said.
Five steps that put time back on your side
Every week you wait can close a door. These steps keep your options open while you decide.
- Step 1
Open every letter
The notice of sale, the servicer's letters, and any court papers all carry dates you need. Put them in one folder.
What each letter means - Step 2
Know your date
Georgia sales happen on the first Tuesday of every month. Map your notice to a real calendar now, because the date arrives faster than most people expect.
Build my timeline - Step 3
Call your servicer
Ask what help they offer and request an application in writing. Get a name and reference number every time.
Use a call script - Step 4
Get a second opinion
HUD-approved counselors cost you nothing. A Georgia attorney can tell you whether bankruptcy fits. We are glad to talk it through too.
Find outside help - Step 5
Choose your path
Keep the home, or sell before the sale date. Either can be the right answer. The worst outcome is running out the clock.
Compare options
There is almost always more than one way forward
Every option has a timeline, a cost, and a credit impact. Our options guide lays them side by side so you can compare.
Ways to keep your home
Catch up, spread it out, or change the loan.
- ReinstatementYou pay everything you are behind on, plus fees and costs, in one payment, and the loan goes back to normal.
- Repayment planYou make your normal payment plus an extra amount each month until the past-due balance is caught up.
- ForbearanceYour servicer lets you pay less or nothing for a set time while you get through a short-term hardship.
- Loan modificationYour servicer permanently changes the loan's terms (rate, length, or balance) so the payment fits your budget, and the past-due amount is folded in.
- Partial claim or recovery advanceThe government loan program covers your past-due amount, and you repay it later with no interest, usually when you sell, refinance, or pay off the loan.
Ways to sell
Protect your credit, your equity, or your timeline.
- Chapter 7 bankruptcyA bankruptcy that wipes out many debts; filing pauses the sale for a while, but it usually does not let you catch up the mortgage and keep the home.
- Sell with a real estate agentYou list the home on the open market, pay off the loan at closing, and keep any equity left over.
- Sell fastIf selling is your best option, we're ready to help. We make transparent, no-obligation cash offers and can close quickly, often in a matter of weeks.
- Short saleYou sell the home for less than you owe, and your lender agrees to accept the sale price to release the loan.
- Deed in lieu of foreclosureYou voluntarily sign the home over to the lender, and in return the lender releases the loan instead of foreclosing.
Help from across Georgia
Independent organizations we point homeowners to. We're not affiliated with them.
- HUD housing counseling(opens in a new tab)
- GeorgiaLegalAid.org foreclosure guides(opens in a new tab)
- Atlanta Legal Aid Society(opens in a new tab)
- Georgia Legal Services Program(opens in a new tab)
- Atlanta Bar Association Lawyer Referral Service(opens in a new tab)
- CFPB complaint portal(opens in a new tab)
- Georgia Attorney General, Consumer Protection Division(opens in a new tab)
- Georgia Department of Banking and Finance(opens in a new tab)
- FTC ReportFraud(opens in a new tab)
- Georgia Department of Community Affairs, homeownership(opens in a new tab)
- Military OneSource(opens in a new tab)
- U.S. Bankruptcy Court, Northern District of Georgia(opens in a new tab)
If selling makes sense
KeepMyKeys also buys homes in metro Atlanta and across Georgia. If you'd like to explore selling, our home-buying team is happy to talk it through, with no obligation. Closings take time to arrange, so start the conversation early.
Talk to a person
Call us — timing matters.
Bring your letter. We'll help you find your dates, understand your options, and pick a next step before the deadlines pass. No cost to you.