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Bankruptcy Relief

Facing Bankruptcy? Unlock Your Home Equity, Pay Down Your Debts, and Stay as a Renter.

Bankruptcy can put the equity you've built at risk. Sell2Rent's sale-leaseback program lets you sell your home at fair market value, turn that equity into cash to settle what you owe, and keep living in your house as a renter. No credit check. No moving. No losing the home.

Equity you don't protect can be lost. In a Chapter 7 filing, a trustee can sell a home with equity above your state's homestead exemption. The earlier you explore your options, the more of your equity you keep.
No Credit CheckBankruptcy doesn't disqualify you
20-45 DaysTypical time to close
$0New debt created

See what your home equity could free up

Eligibility note: You generally need more than 30% of your home paid off (meaningful equity) for us to work with you.

A+ BBB Rating 4.1 Trustpilot 4.5 Google Reviews Available Nationwide 500+ Homeowners Helped
The Situation in the U.S. Right Now

Bankruptcy filings are climbing. And homeowners with equity have more options than they think.

You are not alone, and bankruptcy is not your only path. More than half a million Americans filed for bankruptcy in 2025. Many of them owned homes with real equity that a well-timed sale-leaseback could have protected.

565K+

U.S. bankruptcy filings in 2025, up 11% from 2024 (Epiq / ABI)

+15%

Year-over-year rise in consumer Chapter 7 filings in 2025 (332,706 total)

Same Day

An automatic stay halts most collections the moment you file, but it doesn't erase what you owe

7-10 Years

How long a bankruptcy stays on your credit report, vs. $0 credit impact with a sale-leaseback

Sources: Epiq AACER & American Bankruptcy Institute, 2025 calendar-year filings; Administrative Office of the U.S. Courts; 11 U.S.C. § 362 (Automatic Stay); FICO credit-reporting guidelines.

Know Where You Stand

The Bankruptcy Decision Timeline: What Happens at Each Stage and What You Can Do

Bankruptcy isn't a single moment, it's a series of decisions. At each one, you still have choices, especially if you have home equity. Click any stage below to see where you stand and what you can do right now.

Early Stage

Stage 1: Falling Behind on Debts

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Typically: Before any filing

You're juggling credit cards, medical bills, or a mortgage and the numbers no longer work. No case has been filed. This is when you have the most control and the most flexibility over your equity.

  • Speak with a nonprofit credit counselor (required before filing anyway): find a HUD-approved counselor at 1-800-569-4287.
  • Request a free Sell2Rent offer now. Cashing out equity at this stage can pay down debt and may let you avoid filing altogether.
  • Avoid draining retirement accounts or taking new high-interest loans before you've explored selling and staying.
Choosing a Chapter

Stage 2: Deciding Between Chapter 7 and Chapter 13

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Typically: When you meet with an attorney

Chapter 7 can liquidate non-exempt assets, including home equity above your state's homestead exemption. Chapter 13 reorganizes debt into a 3-5 year repayment plan. Either way, the equity in your home is on the table.

  • A sale-leaseback converts your equity into cash you control before a trustee can claim it.
  • Know your state's homestead exemption. If your equity exceeds it, a Chapter 7 trustee may sell the home.
  • Get a free Sell2Rent offer so you and your attorney can compare it against filing.
After Filing

Stage 3: The Automatic Stay Is in Place

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Typically: Day you file through case completion

Filing triggers an automatic stay that pauses most collection and foreclosure activity. This buys time, but it does not eliminate the debt, and a trustee still evaluates your assets and equity.

  • Selling during a case generally requires court approval, so timing and disclosure matter. Talk to us and your attorney together.
  • A sale-leaseback can be coordinated with your attorney to satisfy creditors while keeping you in the home.
  • Call (800) 954-6373 and we'll explain exactly what's possible at your stage.
Fresh Start

Stage 4: Discharge and Rebuilding

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Typically: After discharge or plan completion

Your eligible debts are discharged, but the bankruptcy mark stays on your credit for 7 to 10 years, making it hard to refinance or borrow against your home. If you kept the house, its equity is locked behind damaged credit.

  • A sale-leaseback needs no credit check, so a recent bankruptcy doesn't disqualify you.
  • Unlock your equity now and skip new debt while your credit recovers.
  • Get a free offer to see what staying as a renter would look like for your household.
Find Out Where You Stand

Where Are You in the Bankruptcy Process?

We'll show you how your home equity factors in and what your clearest next steps are, instantly and free.

Tap the option that fits your situation
Most people start here

I'm behind on debts but haven't filed yet

Considering bankruptcy, no case filed

See my next steps →

I'm deciding between Chapter 7 and Chapter 13

Met with or about to meet an attorney

See my next steps →

I've already filed and have an active case

The automatic stay is in place

See my next steps →

My case is discharged or nearly complete

Rebuilding, but equity is locked up

See my next steps →

For general guidance only. Always confirm specifics with a licensed bankruptcy attorney for your state.

Understanding Sale-Leaseback

What is a residential sale-leaseback?

A residential sale-leaseback is a transaction where you sell your home to a vetted investor and immediately stay in it as a renter. The sale proceeds pay off your mortgage and free up your remaining equity as cash, which you can use to settle debts.

For homeowners weighing bankruptcy, this matters: it turns equity that a Chapter 7 trustee could claim into cash in your hands at fair market value, while you keep living in the home you know, in the neighborhood your family is part of.

No credit check is required, so bankruptcy or a low score does not disqualify you. Most Sell2Rent transactions close in 20 to 45 days, and you choose your lease term at closing. Learn more about how our sale-leaseback works.

$200K+Avg. equity available to homeowners
No credit checkBankruptcy doesn't disqualify you
Family together in their living room after a Sell2Rent sale-leaseback
Simple 3-Step Process

How it works

Most homeowners complete the Sell2Rent process in 20 to 45 days. No credit check. No repairs. No public listing.

1

Request Your Free Offer

Share basic details about your property and your situation. We work with homeowners in all 50 states, including those in or considering bankruptcy.

Takes 5 minutes
2

Review and Choose Your Best Offer

Your home goes to our nationwide network of vetted investors. You receive multiple competing offers and choose the one that fits your price, timeline, and lease needs.

You pick the offer that fits
3

Close, Cash Out, and Stay

At closing, the mortgage is paid off and your equity is freed up as cash to put toward your debts. You sign a lease and keep living in your home. Same house. Same neighborhood.

Most close in under 30 days
Explore My Options Before I File or call (800) 954-6373
Compare Your Options

How does a sale-leaseback compare to your other options in bankruptcy?

A clear look at the most common paths homeowners with equity consider, so you can make the choice that's right for you.

Feature Sell2Rent
Sell & Stay		 Chapter 7 Chapter 13 Debt Consolidation Loan HELOC / Refinance
You stay in your home✔If equity is exemptIf you keep paying✔✔
Protects your home equity✔ Cash in hand✘ Trustee may claim itPartialN/A✘ Borrows against it
No credit check required✔N/AN/A✘ Good credit needed✘ Good credit needed
No new debt created✔✔Repayment plan✘✘
Avoids long-term credit damage✔✘ 10 yrs on report✘ 7 yrs on reportDependsDepends
You receive cash equity✔ Fair market✘✘✘As a loan
Speed to resolution20-45 days3-6 months3-5 yearsWeeks30-45 days

A sale-leaseback is the only path that turns your equity into fair-market cash, creates no new debt, and lets you stay in your home, with no credit check. See frequently asked questions

Real Homeowner Stories

Real families. Real relief.

Homeowners across the country have used Sell2Rent to find a path forward and stay in the homes they worked so hard for.

"Things started out a little rocky, but Sell2Rent quickly proved to be amazing to work with. If you're looking to access the equity in your home without the pressure of moving out right away, this is hands down the best option. In the end, I received more money than I expected."

Chasity Lindsey
Lawrenceville, GA

"Would recommend if you as a homeowner are struggling and need that home equity fast and don't have time to sell on the market — this is the place to go! Great people, great service. Thank you guys!"

Pedro Aristides
Marietta, GA

"The entire team was amazing! No issues getting ahold of anyone when I had a question. Very patient and understanding with us, as this was a huge decision. Their team made the entire process so much easier than I imagined!"

Joshua Johnston
Charleston, SC
See all homeowner testimonials
Got Questions? We Have Answers.

Frequently asked questions about sale-leaseback and bankruptcy

Can I use Sell2Rent if I'm considering bankruptcy?+
Yes. In fact, many homeowners explore a sale-leaseback before filing. Selling your home at fair market value turns your equity into cash you control, which you can use to pay down debts, sometimes avoiding bankruptcy altogether. We don't run a credit check, so your financial situation doesn't disqualify you. Always coordinate timing with a bankruptcy attorney.
Can I do a sale-leaseback after I've already filed?+
Sometimes, but selling property during an active bankruptcy case generally requires court approval and full disclosure to the trustee. We work alongside your attorney to determine what's possible at your stage. Call (800) 954-6373 and we'll walk through your specific situation honestly.
How does a sale-leaseback protect my home equity?+
In a Chapter 7 filing, a trustee can sell a home if your equity exceeds your state's homestead exemption, and use the proceeds to pay creditors. A sale-leaseback lets you convert that equity into cash at fair market value on your own terms, before a trustee can claim it, while you keep living in the home as a renter.
Will a sale-leaseback hurt my credit score?+
No. Sell2Rent does not perform a credit check, and the transaction is a standard home sale, not a new loan or a default. Unlike a bankruptcy, which stays on your credit report for 7 to 10 years, a sale-leaseback leaves no negative mark.
Will I have to move out after the sale?+
No. After closing, you sign a lease with the new property owner and continue living in your home, same house and same neighborhood, for anywhere from 1 month to 5 years depending on the lease term you select at closing.
Can the new owner evict me?+
No. You're protected by your lease contract and by law. The new owner cannot remove you before your lease term ends, and you choose your move-out date when you sign. There's also no rental application to pass, you stay automatically once the sale closes.
Do I need good credit or income to qualify?+
No credit check is required to sell through Sell2Rent. What matters is that you have meaningful equity in your home, generally more than 30% paid off. Bankruptcy, low credit, or recent job loss do not disqualify you.
How fast can the process close?+
Most Sell2Rent transactions close in 20 to 45 days, and as fast as 2 weeks when you have your documents ready. That speed comes from a nationwide network of investors who are pre-positioned to buy tenant-occupied homes.
Are there any fees?+
Sell2Rent charges a transaction fee, typically around 6% of the sale price. That fee covers title checks, property assessment, and the full transaction, end to end. All costs are transparently outlined in your final offer before you commit to anything.

Sell your house. Cash out your equity. Stay home. Breathe again.

You worked hard for that equity. Don't let bankruptcy decide what happens to it. Put it to work on your terms, without leaving the home you love.

Protect My Equity: See My Options Call (800) 954-6373

No credit check · Available nationwide · Offer in 24 hours · Subject to eligibility