When debt becomes unmanageable and bankruptcy feels like the only option, your home can quickly turn into a financial burden. If you’re searching for a way to sell your house during bankruptcy in Kalamazoo, MI, we can offer a clear and simple path forward—without the delays or complications of the traditional market.
At Ryan Buys Houses, we purchase properties as-is, directly from homeowners who need fast solutions. Whether you’re facing Chapter 7 or Chapter 13, we can help you avoid foreclosure, eliminate your mortgage, and move on with cash in hand. You don’t have to fix anything, pay commissions, or wait an extended period of time. Our goal is to provide a straightforward sale that puts you back in control quickly and you can move on.
We Help You Avoid Financial Hardship With A Cash Home Sale
Selling your home through a traditional listing can be a challenge when you’re already dealing with financial stress. Between costly repairs, agent fees, and the time it takes to close, the process only adds pressure. If you’re behind on payments or facing bankruptcy or foreclosure, waiting months for a buyer may not be a realistic solution.
Here’s how selling your house as-is for cash to Ryan Buys Houses can help you avoid the financial fallout tied to bankruptcy or other financial hardship:
Chapter 7 Bankruptcy
Chapter 7 wipes out unsecured debt but may force you to give up assets, including your house. Selling your house to us before filing can protect any equity you have and help you avoid losing the home through liquidation. A cash sale also gives you funds that may help settle debts or cover immediate living costs without going through bankruptcy.
Chapter 13 Bankruptcy
In a Chapter 13 repayment plan, you’re required to catch up on your mortgage as part of your monthly payments. That can feel impossible if your income doesn’t support it. Selling your house as-is for cash lets you clear the debt tied to your mortgage and remove the property from the repayment plan.
Late Mortgage Payments
Once you fall behind on mortgage payments, penalties and interest begin to snowball. Catching up becomes harder with every missed due date. A cash sale can help you stop the bleeding by eliminating the loan. You don’t have to negotiate with your lender or try to catch up on a balance you can’t afford.
Foreclosure Or Short Sale
Foreclosure damages your credit for years, and short sales require lender approval that can take months. With a cash offer from Ryan Buys Houses, you can avoid both. We close fast, pay in cash, and take the property as-is. You get a clean break without the long-term impact that a foreclosure puts on your credit.
What Are The Benefits Of A Cash Home Sale During Bankruptcy?
Selling your house for cash during bankruptcy offers more than just speed. It can directly impact your case, your finances, and your ability to move forward. Here are four specific ways a cash sale can benefit you when bankruptcy is on the table.
Our Process Gets You Out Of Bankruptcy Faster
When you’re dealing with bankruptcy, delays only make things harder. You need a fast, predictable way to resolve your mortgage and move on. At Ryan Buys Houses, we make it easy to sell your house as-is for cash without extra paperwork or long waiting periods. Our process is built for speed and simplicity.
Here’s how our cash home sale process works from start to finish.
- Reach out to us directly
Fill out our short form or call us to get started; there are no obligations, and we will talk through your situation to see how we can help. - Schedule a quick walk-through
We will visit your property in person and schedule a time that works best for you. There is no need to clean, repair, or explain your financial situation to anyone else. - Get a cash offer within one day
After our visit, we will review everything on the house. If we can meet your needs with selling and help you on the house, we will send you a fair, no-pressure offer. There are no commissions or fees to subtract from the total. - Pick your closing date
We work on your timeline to help make sure everything lines up with your bankruptcy filing. - Close and get paid.
We work with local title companies to complete the sale quickly. You walk away with cash in hand and no mortgage tying you down.
Selling your house during bankruptcy doesn’t have to involve court delays or complicated approvals. Once you accept our offer, we handle the title process, work with your attorney if needed, and coordinate every step for a clean, legal transfer. With Ryan Buys Houses, we work to move your case forward faster so you can move on. You control the pace, and we handle the rest.
Can I Sell My House During Bankruptcy Legally In Michigan?
Yes, you can legally sell your house during bankruptcy in Michigan, but the process depends on the type of bankruptcy you’ve filed.
Chapter 7 Bankruptcy: In this case, your home becomes part of the bankruptcy estate. If you wish to sell it, you must obtain court approval. The trustee will assess the home’s equity and determine if it exceeds the allowable exemption. If it does, the trustee may sell the property to pay creditors.
Chapter 13 Bankruptcy: Here, you can sell your home, but you’ll need to file a motion with the court for permission. The sale proceeds may be used to pay off your repayment plan or other debts. It’s essential to work closely with your bankruptcy attorney to ensure compliance with court requirements.
Contact Us Today And Get A Cash Offer In 24 Hours
If you’re facing bankruptcy and need a fast way out, we are ready to help. Contact Ryan Buys Houses today and take the first step toward relief. We will review your situation and send you a fair offer. We want to provide a direct, simple path to sell your house so you can move forward.
Fill out our online form or call Ryan at Buys Houses at (269) 775-4095 to get a fast cash offer. Sell your house fast in Kalamazoo, MI.
