Can I negotiate my mortgage terms while my bankruptcy is pending?

Asked 3 months ago
When a bankruptcy is pending, it can complicate the process of negotiating mortgage terms with your lender, including Nationstar Mortgage Bankruptcy Department. Typically, once a bankruptcy case is filed, the automatic stay goes into effect, which prevents creditors from pursuing collection actions, including modifying terms of a mortgage. However, there are circumstances where negotiation may still be possible. For example, if you are seeking a loan modification or other relief, it is important to work with your bankruptcy attorney, as they can provide tailored advice based on your specific situation and the type of bankruptcy filed. It is also beneficial to ensure that all actions are complied with bankruptcy court requirements to avoid negative repercussions. For the most accurate information regarding current policies or procedures, it is advisable to refer to the official Nationstar Mortgage website, where you can find the latest details and contact information as needed.
Adam Goldkamp is the editor / author responsible for this content.
Answered Aug 28, 2025

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