Selling During Bankruptcy, Debt & Financial Hardship
Your Home May Be Your Fastest Path to a Fresh Start
Financial hardship — whether it’s bankruptcy, overwhelming debt, IRS liens, or judgment liens — can feel like a situation with no good options. But your home equity is often the fastest, cleanest path to resolving debt and starting fresh. Selling doesn’t have to mean losing everything; it can mean taking control.
Selling a House During Bankruptcy
If you’re in Chapter 7 or Chapter 13 bankruptcy, selling your home is often possible — but it usually requires trustee or court approval. A cash sale simplifies this process because:
- There’s no financing contingency that could delay court deadlines
- The closing timeline is predictable and fast
- Cash buyers are experienced working with bankruptcy attorneys and trustees
💡 Always consult your bankruptcy attorney before selling. We work directly with attorneys and trustees to structure sales that meet court requirements.
Selling With IRS Liens or Judgment Liens
Federal tax liens and judgment liens attach to your property and must be resolved before or at closing. The good news: these are typically paid directly from sale proceeds through the title company — you don’t need to pay them off out of pocket first. Read more: Selling a House With Liens.
Why Sellers Choose Royal Groups Realty
A Path Through Financial Hardship
Bankruptcy-Experienced
We work regularly with bankruptcy attorneys and trustees to structure court-compliant sales.
Liens Resolved at Closing
IRS liens, judgment liens, and back taxes are paid directly from proceeds — not out of your pocket.
Fast, Predictable Timeline
Court deadlines and creditor pressure don’t wait — we close in 7–21 days.
No Fees Added to Your Debt
Zero commissions or closing costs on our end — more of your equity goes toward your fresh start.
Other Situations We Handle
Financial hardship often overlaps with foreclosure risk and delinquent property taxes. If either applies to you, these guides may help: How to Avoid Foreclosure in Texas and Selling With Delinquent Property Taxes.
Frequently Asked Questions
Often yes, but you’ll typically need trustee or court approval depending on whether you’re in Chapter 7 or Chapter 13. Always consult your bankruptcy attorney first — we can work directly with them to structure the sale.
No. IRS liens and judgment liens are typically paid directly from sale proceeds through the title company at closing. You don’t pay them out of pocket beforehand.
It can, which is why trustee/court approval matters. Your attorney will guide you on timing and structure so the sale supports your case rather than complicating it.
As little as 7–14 days once approvals are in place. We understand court deadlines don’t wait and we prioritize accordingly.
Common in financial hardship situations. The title company resolves liens in order of priority from the sale proceeds. Read more: Selling a House With Liens.
No commissions, no closing costs on our end. This means more of your remaining equity goes toward your fresh start instead of fees.