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    Financial distress & debt

    Selling a house in Chapter 7 or Chapter 13

    Bankruptcy sales need court or trustee approval. We're a buyer that can wait for that approval and still close quickly once it's granted.

    • No repairs
    • No fees or commission
    • Close in as little as 7 days
    • No obligation

    Quick answer

    SilverCrest Estates buys houses for cash during Chapter 7 and Chapter 13 bankruptcy, coordinating with the seller's bankruptcy attorney and trustee and closing as soon as the court or trustee approves the sale.

    Is this you?

    This page is for you if…

    • You've filed or are about to file for bankruptcy
    • Your trustee or attorney says the home must be sold
    • You're in a Chapter 13 plan and want to sell
    • You need a buyer who won't walk away during court approval

    Court approval takes time

    Many buyers won't wait for a motion to sell.

    Strict rules

    Who gets paid, and in what order, is set by the court.

    Pressure to act

    Trustees and creditors want a resolution.

    Compare your options

    SilverCrest vs. the alternatives

    An honest side-by-side. Timelines are typical ranges and vary by state, lender and market.

    SilverCrestTrustee sells itTraditional buyer
    Who controls the saleYou + your attorneyThe trusteeYou + your attorney
    Patience for court approvalYes — built inN/AOften walk away
    Repairs or showingsNoneSometimesUsually
    Financing riskNone — cashVariesMortgage contingency
    How we help

    Four steps, start to finish

    1. 1

      Loop in your attorney

      We talk to your bankruptcy attorney first. Always.

    2. 2

      Written cash offer

      Clear terms the attorney can attach to a motion to sell.

    3. 3

      Court or trustee approves

      We wait for the order — no pressure to rush it.

    4. 4

      Close and distribute

      Title follows the court order on who gets paid.

    Chapter 7 vs. Chapter 13 home sales

    In Chapter 7, a trustee may sell non-exempt property to pay creditors; whether your home is at risk depends on your equity and your state's homestead exemption. In Chapter 13, you usually keep the home and repay through a plan — but selling generally requires court permission.

    This is legal territory. Nothing on this page is legal advice. Your bankruptcy attorney decides the right path, and we work within it.

    Why a cash buyer helps

    Court approval can take weeks. A financed buyer's rate lock or loan approval may expire in the meantime. A cash buyer has no lender clock, which makes the approval process far smoother. Closing runs through a licensed title company or closing attorney, which pays off liens and mortgages from the sale proceeds before you're paid.

    This page is general information, not legal, tax or financial advice. Laws and timelines differ by state. Talk to a licensed attorney, CPA or HUD-approved housing counselor about your specific situation.

    Questions

    What sellers ask us

    Often yes, but you'll usually need court or trustee approval. Your bankruptcy attorney files the request.

    Yes. We provide whatever documentation the trustee or court asks for, and we close on their timeline.

    It can. Ask your attorney how your state's homestead exemption applies to the sale proceeds.

    Yes, but talk to an attorney first — selling right before filing can raise questions the court will review.

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    Whatever's going on, there's a way out

    Enter your address. A real cash offer from SilverCrest — no fees, no repairs, no obligation.