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Selling Your House Before, During or After Bankruptcy in Indiana

Bankruptcy

If you're thinking about bankruptcy, or you've already filed, the house is often the biggest question. You can sometimes sell it, but the rules depend on where you are in the process. Here's the plain-English version.

Does This Sound Like You?

  • You're thinking about filing bankruptcy.

  • You're in a Chapter 13 plan and the payments aren't working.

  • Your bankruptcy attorney said selling the house might help.

  • Your bankruptcy is over and you're ready for a fresh start.

How Selling Works With Bankruptcy (in Plain English)

  • Before you file: Selling first can change your options. Talk to a bankruptcy attorney before you sign anything.

  • Chapter 7: A court-appointed trustee may control the house. The trustee, not you, may decide whether and how it's sold.

  • Chapter 13: You usually need court approval to sell. Your attorney files a request with the court.

  • After your case is closed: You can generally sell like anyone else.

Your Options, Honestly

  • Keep the house. Chapter 13 is sometimes used to catch up on missed payments and keep the home.

  • List it with an agent. Works if your attorney and the court are fine with the timeline.

  • Sell it to us. We're used to waiting on court approval and working with attorneys and trustees.

Not sure which is right for you? Compare a cash sale and listing with an agent. (link: /sell-my-house/cash-offer-or-list-your-house)

How It Works

  1. Call or text us at (219) 339-3998, or fill out the form.

  2. We look at the house once, at a time that works for you.

  3. We send you a written cash offer. No pressure and no obligation.

  4. If you say yes, you pick the closing date. A local title company handles the paperwork and the money.

Local Help in Northwest Indiana

  • Bankruptcy court. Northwest Indiana cases are filed in the U.S. Bankruptcy Court for the Northern District of Indiana, Hammond Division.

  • Your trustee. The trustee's name is on your case papers. Your attorney will contact them about a sale.

  • Credit counseling. Required before you file. It must come from a government-approved agency.

  • Free or low-cost help. Indiana Legal Services and local lawyer referral services can point you to an attorney.

What to Have Ready When You Call

  • Your case number and chapter, if you've filed

  • Your attorney's and trustee's contact info

  • Your most recent mortgage statement

This is general information, not legal advice. An attorney can tell you what applies to your situation.

Talk to Someone Local

Call or text (219) 339-3998, or fill out the form on this page. A real person from Next Door Real Estate will get back to you. No pressure, no obligation.

We work with homeowners and their attorneys in Gary, Hammond, Merrillville, Crown Point, Hobart and across Northwest Indiana.

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FAQs (Situation FAQs collection)

1. Do I need my attorney's OK to sell?

If you've filed, yes. Your attorney will know whether the court or trustee has to approve the sale.

2. Will you wait for court approval?

Yes. We can sign an agreement and close after the court approves it.

3. Will you talk to my attorney or trustee?

Yes. We're happy to work directly with them.

4. Do I have to fix anything?

No. We buy as-is.

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