Temporary Restraining Orders (TROs)

The best way to temporarily stop a foreclosure (up to) the day before an auction (and when a homeowner does not need to otherwise declare bankruptcy) may be to file a Temporary Restraining Order (TRO). A TRO is a legal order filed by an attorney on behalf of a homeowner against their lender. In most cases, it will result in a brief delay (30 days, give or take) of a foreclosure auction – which may provide enough time for a homeowner to sell a home using other strategies, or catch up the payments.


TROs are a legal specialty – you must have an attorney, with this specialty, lined up in advance if you need to utilize this maneuver. For example, we recommend the national law firm The Torok Law Firm (www.TorokLaw.com)

Advantages and Disadvantages


The advantage of a TRO is that it can be done at the last minute just before the home is actually auctioned off by the lender.

In addition, it does not require the homeowner to declare bankruptcy and thus often both a bankruptcy and foreclosure can be avoided. Once the TRO is filed, the auction is stopped or nullified until the lender has the TRO lifted. 

The disadvantage to filing a TRO is that it costs money and is only a temporary delay.

Before (or in conjunction with) exploring this option, make sure you talk to a creative real estate investing professional about all of your options! Regardless of your situation, income, or equity, if you would like to discuss all of your options for selling your home quickly to avoid foreclosure, please CLICK HERE

Common Questions About TROs

Question: How and How Much?

Answer: Generally you consult with a TRO attorney and complete the paperwork. Attorneys charge different fees for this. We have seen this cost around $2000 for most people. This is a specialized area of law. We recommend the national law service The Torok Law Firm (www.TorokLaw.com) to help with this.

Question: Does a TRO Stop Foreclosure?

Answer: Yes, temporarily. TROs delay a foreclosure until the lender files a motion to have the TRO lifted. This almost always happens.

Question: Are there alternatives?

  Answer: Yes. We’ve covered many options throughout this website.


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