FREQUENTLY ASKED QUESTIONS
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You deserve clear information, not legal jargon or vague reassurances. These are the questions Georgia homeowners ask us most — answered plainly.
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If you've fallen behind on payments, received a foreclosure notice, or have a sale date approaching — we're here to help. Right now.
Free Same-Day Review
If you've fallen behind on payments, received a foreclosure notice, or have a sale date approaching — we're here to help. Right now.
About the Proces
Can foreclosure still be stopped after I receive a formal notice?
Yes — in many cases. Receiving a notice is not the end. Depending on where you are in the process, options still include reinstatement, loan modification, short sale, or selling before auction. The key is acting quickly.
How long does the foreclosure process take in Georgia?
Georgia is a non-judicial foreclosure state, which means the process moves faster than many other states. From the first missed payment to a foreclosure auction, the timeline is typically 60–120 days — though it can be shorter or longer depending on your lender and circumstances. Because of this relatively short timeline, acting early is essential.
What happens after the foreclosure auction if I don't act?
Once the foreclosure auction completes, the property transfers to the highest bidder (often the lender). You lose all equity and face an eviction process. The foreclosure also stays on your credit report for 7 years, significantly impacting your ability to borrow, rent, or purchase again. Preventing the auction from completing is almost always the better outcome.
Costs & Fees
How much does it cost to work with US Foreclosure Assistance?
Your initial review and all follow-up conversations to understand your options are completely free — and come with zero obligation to proceed. If we work together on a specific solution (like listing your home), we'll explain any associated costs clearly and in advance. There are never any hidden fees or surprise charges at USFA.
What if I can't afford to pay back everything I owe?
This situation is more common than you'd think — and there are still paths available. A short sale, for example, allows you to sell your home for less than the outstanding mortgage balance, with lender approval. While this still affects your credit, it is significantly less damaging than a full foreclosure. We'll help you understand exactly what applies to your specific numbers.
Your Home & Credit
Can I sell my home after receiving a foreclosure notice?
Yes — in most cases, you retain the right to sell your property up until the foreclosure auction completes. Selling before the auction stops the foreclosure, satisfies the mortgage, and — if the sale price is high enough — returns any remaining equity to you. Speed matters significantly here: a sale that would have taken 30 days has far better odds of closing before the auction than one that starts the week of the sale date.
What if I owe more than my home is currently worth?
Being "underwater" on your mortgage — owing more than the home's current value — doesn't eliminate your options. A short sale may allow you to sell for less than you owe, with the lender agreeing to accept the proceeds as full or partial satisfaction of the debt. While not perfect, it typically causes far less credit damage than a full foreclosure and avoids the legal aftermath of an unpaid deficiency.
How badly does foreclosure damage my crerit?
A completed foreclosure typically causes a credit score drop of 100–150 points and remains on your credit report for 7 years. It can also affect your ability to qualify for future mortgages for 3–7 years depending on the loan type. Alternatives like a short sale, deed in lieu, or reinstatement all cause significantly less long-term credit damage — which is one strong reason to act before the auction.
Privacy & Working With USFA
Is my information kept confidential?
Absolutely. Everything you share with us — your financial situation, your property details, your personal circumstances — is kept strictly confidential. We never share your information with your lender, third parties, or anyone else without your explicit consent. Confidentiality isn't just a policy at USFA; it's core to how we operate.
Will you pressure me into a specific solution?
Never. Our job is to lay out every option that applies to your situation, explain each one clearly, and help you understand the tradeoffs. The decision is always yours. We will never push you toward a path that benefits us over you — including telling you honestly when we're not the right fit for your needs.
Are you attorneys? Do you provide legal advice?
No — US Foreclosure Assistance, LLC is a real estate services company, not a law firm. We do not provide legal advice. What we do provide is experienced, practical real estate guidance on all options available in a foreclosure situation. For legal questions — particularly around bankruptcy or deficiency judgments — we'll always refer you to a qualified Georgia attorney.
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(470) 889-8057
123 smith st,
Jonesboro, GA 30236
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US Foreclosure Assistance, LLC is not a law firm and does not provide legal advice. We are real estate professionals helping homeowners explore their options.