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Filing Bankruptcy? Sell Your House Fast for Cash
If bankruptcy is on the table or already filed, we can look at your Pensacola home and give you a cash number your attorney can take to the court.
Understanding a Home Sale During Bankruptcy
Bankruptcy is federal. Cases from Escambia and Santa Rosa counties are filed in the U.S. Bankruptcy Court for the Northern District of Florida, which sits in Pensacola at the Winston E.
Arnow Federal Building. Two chapters cover most homeowners who want to sell house in bankruptcy: Chapter 7 and Chapter 13.
Chapter 7 and Chapter 13, side by side
- Chapter 7: liquidation. The trustee sells non-exempt assets, and most no-asset cases discharge in a few months.
- Chapter 13: a three or five year plan. Mortgage arrears can be cured through the plan while you stay current going forward.
- Both: the automatic stay begins at filing and halts most collection, including a foreclosure sale already on the clerk's calendar.
- Both: the home becomes estate property, so any sale needs the court's sign-off.
What a court-approved sale usually involves
- A signed contract with a real buyer, a real price, and the liens that will be paid.
- A motion to sell filed by your attorney, with notice to the trustee and the creditors.
- An objection period, and a hearing if anyone objects.
- An order authorizing the sale, which the title company will want in the file before closing.
- Proceeds handled the way the order says, which in Chapter 13 often means funding the plan.
Chapter 7 is liquidation. A trustee gathers and sells whatever is not exempt, and in the typical no-asset case the discharge comes roughly 60 to 90 days after the first meeting of creditors.
Chapter 13 is a repayment plan over three or five years, depending on how your income compares to the state median. It is the chapter built to cure past-due mortgage payments over time while you keep paying the regular note.
Filing triggers the automatic stay. It stops most collection the moment the petition is docketed, including a scheduled foreclosure sale, and it happens without a judge signing anything. It is not permanent: a secured lender can move for relief from stay.
Once you file, the house belongs to the bankruptcy estate, so you cannot simply sign a contract and close. A sale runs through the court. In Chapter 13 the debtor can ask to sell under sections 363 and 1303 with notice to the trustee and creditors; in Chapter 7 that power sits with the trustee.
Florida's homestead protection is unlimited in value but capped by land area at half an acre inside a municipality or 160 acres outside it. Federal bankruptcy law adds limits of its own, including a $214,000 ceiling on homestead equity acquired within 1,215 days of filing for cases filed between April 2025 and March 2028, plus residency requirements.
This is the one situation where a lawyer is not optional. Talk to a Florida bankruptcy attorney before you sign anything, because whether a sale helps you, and what happens to the proceeds, depends on your chapter, your exemptions, and your plan.
How Selling to Us Helps With Bankruptcy
- We hold the contract while your attorney files the motion to sell, instead of walking when the court calendar slips.
- Cash means no lender underwriting to blow up the closing after a judge has already signed the order.
- We buy as-is, so nothing gets spent on repairs while a trustee reviews every dollar you move.
- One clean sale that pays the mortgage off at closing, with figures your attorney can put in front of the court.
Why Sell to Us
A bankruptcy sale has a judge, a trustee, and a calendar, so a buyer who is steady beats a buyer who is loud.
- We buy and hold: real offers based on long-term value, not flip-margin math.
- Local to Escambia and Santa Rosa counties, not a call center reading a script.
- Upfront about fit: if your home is not right for us we say so, and can refer you to a buyer it is right for.
- No fees, no commissions, ever. We cover standard closing costs.
Simple and fast
How It Works
Three steps, no obligation, and no repairs or cleanup on your end.
Tell Us About Your Home
Share the address and a few quick details by phone or the form. It takes a couple of minutes and costs you nothing.
Get a Real, No-Obligation Offer
We look at your home and the local Pensacola market and come back with a genuine cash number. Already have an offer? Bring it and we will try to beat it.
You Pick the Closing Date
If it works for you, we close with a local title company on the day you choose. Need two weeks or two months? Your call.
Your options, side by side
Agent vs Wholesaler vs Us
Three ways to sell a Pensacola home in good condition. Here is how they compare.
| Traditional Agent | Wholesaler | Selling to Us | |
|---|---|---|---|
| Time to close | 60 to 90+ days | Fast, but then they resell it | As fast as 7 to 14 days, your date |
| Fees and commissions | About 5 to 6 percent | None to you, markup is hidden | None, we cover closing costs |
| Repairs and cleanup | Often required to list | None | None, sell as-is |
| Showings and open houses | Yes, ongoing | No | No, private sale |
| Typical price | Highest, if you can wait | Lowest, they need room to flip | More than a wholesaler for the right home |
| Best for | No rush, home is market-ready | Heavy fixers and distressed homes | Good homes, sold fast, fair price |
We Buy Homes in Bankruptcy Cases Across Pensacola and Nearby Areas
The bankruptcy court for this district sits in downtown Pensacola, and we buy throughout Escambia and Santa Rosa counties, including Ferry Pass and Pace. If your attorney needs a firm contract and a buyer who will still be there after the objection period, that is the part we are good at.
Areas We Serve · We Buy Houses in Pensacola · We Buy Houses in Ferry Pass · We Buy Houses in Pace
Bankruptcy FAQ
What Does Selling a House in Bankruptcy Actually Involve?
It involves the court. Once you file, your home is property of the bankruptcy estate, so a sale needs approval rather than just a signature. Your attorney files a motion to sell, the trustee and creditors get notice, and the judge enters an order the title company relies on at closing.
How Fast Can You Move if My Case Is Already Open?
We can look at the home and give you a number within a few days, and sign a contract right away. The closing date is not ours to set: it follows the motion, the notice period, and the order. We stay under contract while that runs rather than pushing your attorney.
Do I Need to Repair or Clean Anything First?
No. We buy good-condition homes as they are, with no repairs, no cleaning, and no showings, which also keeps you from spending estate money on a house you are selling. If the home needs heavy renovation work, we are not the right buyer and we will say so plainly.
Will Selling Affect My Case or My Discharge?
It can, and that answer belongs to your attorney, not to us. Whether proceeds are exempt, whether the plan has to be modified, and whether the trustee wants the money are all case-specific. Talk to a Florida bankruptcy attorney before you sign a contract, and bring our number to that conversation.
Can I Sell My House While I Am in Chapter 13 in Florida?
Usually yes, with the court's permission. In Chapter 13 you keep the right to ask, so your attorney files a motion to sell describing the buyer, the price, the liens, and the net proceeds. After the notice period and an order, you close through a title company and the mortgage is paid off from the proceeds.
Are There Fees or Costs to Sell This Way?
We charge no fees and no commission, and there is no cost to get a number. Your attorney's fees for the motion are between you and your attorney. Payoffs, taxes, and recorded liens come out of the proceeds at closing, distributed as the court's order directs.
What if I Am Not Sure My House Fits What You Buy?
Ask before your attorney builds a plan around it. We hold what we buy, so we are selective: generally sound, livable homes needing at most light cosmetic work. If yours is not a fit, we will tell you quickly and can point you to a buyer who handles heavier projects.
Do You Buy in Bankruptcy Cases Across Escambia and Santa Rosa?
Yes. We buy in Pensacola, Ferry Pass, Brent, Bellview, Cantonment, Gonzalez, Gulf Breeze, Milton, Pace, Navarre, and the rest of the two counties. The chapter and the stage of your case matter more to the timeline than where the house sits.
Other Situations We Help With
Bring Us Your Best Offer
If your Pensacola home is in good shape and you need to sell fast, let us take a look. Worst case, you get a real number to compare. Best case, we beat what you already have.