Your attorney and the trustee drive this
People arrive at this page worried that a bankruptcy has taken the decision away from them, and to an extent it has. That is what the filing did, and it is usually working in your favor while it does it.
What you can still do is find out what the Amityville house is worth, which costs nothing and commits nobody. A written figure is useful information for your attorney and for the trustee, and getting one does not require anybody's approval.
Chapter 7 and Chapter 13 are different situations
What is true in both is that the house is not simply yours to sell on a handshake any more, and that a sale usually has to be justified to somebody.
What differs is who benefits and what happens to the proceeds, and it differs enough that we will not guess at it. Bring your attorney the number and let them tell you what it means inside your plan.
The Amityville market underneath this
The Amityville median has barely moved year over year as of 2026-05, at 1.88%. Flat is the hardest market to price a fixer into, because there is no upward drift to cover a mistake and no urgency pushing buyers to overlook a problem. At a $611,250 median, Amityville is a market where buyers expect to do some work. That helps a seller with a dated house and hurts one with a genuinely broken one, because the pool that will take on a project is not the same pool that will take on a gut. The median house here goes under contract in about 35 days, which is quick for Long Island. It is also a figure that only applies to property in showable condition.
A five-bedroom on Sunshine Lane. A house on Washington Avenue. Both in Amityville, bought and paid for by us.
What we can offer that a financed buyer cannot
The other thing that matters here is certainty of closing. A trustee and a court are being asked to approve a specific transaction, and a buyer who might not complete is a real problem in a way it is not on an ordinary sale.
Proof of funds, a written number that does not move, and no lender conditions are worth more in this situation than in almost any other. Ask us for the proof of funds early, because your attorney will want it.
Repairs, condition and what we take on
A house going through a bankruptcy has frequently had maintenance deferred for a while, for obvious reasons. Nobody funds a roof while a filing is pending.
That does not change anything for us. We buy as it stands, we do not ask for repairs, and we do not use an inspection to reopen the price later. The condition is priced once and the number goes to your attorney as a figure that will hold.
What you do not pay when you sell a house in bankruptcy
These are the costs of putting a house in bankruptcy on the market through an agent. None of them apply when you sell to us.
- Agent commission
- $30,563 at 5% of the Amityville median none
- Seller closing costs
- About $12,225 on a $611,250 sale. We can cover these. none
- Repairs to make it listable
- The work it needs to show well, out of your pocket first none
- Cleanout and removal
- Paid per load, before a single buyer walks through none
- Carrying costs while it waits
- Taxes, insurance and utilities while you spend 80 to 95 days finding a buyer and waiting for their loan none
The paperwork that moves an Amityville bankruptcy sale along
The fastest bankruptcy sales are the ones where the paperwork is ready before anybody asks for it. Get a written payoff figure from your mortgage servicer, find the latest tax bill, and ask us for a written offer and proof of funds.
None of that commits you to selling. It gives your attorney real numbers instead of estimates, and in a process where the trustee and sometimes the court have to approve the sale, real numbers save weeks.
How selling a house in bankruptcy in Amityville works
- 1
You tell us about the house
An address in 11701 and a rough idea of condition. Two minutes on the phone or the form. We do not need photographs, a clean house, or anything fixed first.
- 2
We come and look at it
One visit, one person, usually under half an hour. On a colonial or victorian of the age most of Amityville was built, we are mainly looking at the roof, the boiler and the electric rather than the kitchen.
- 3
You get a number in writing
Within 24 hours, as a written figure rather than a range or a "starting around". Take it to a Suffolk County agent for a second opinion if you want to. On a house already in showable condition, listing may well beat us, and we would rather you knew that.
- 4
The date is up to you
Close quickly, or set a date months ahead to fit probate, a tenant or your own move. Either way there is no 80 to 95 days of an Amityville listing looking for a buyer and waiting on a mortgage approval.
If a foreclosure was already under way
A bankruptcy and a foreclosure often arrive together, and it is easy to lose track of which process controls what. Do not try to work that out alone. Your attorney knows where the foreclosure stands now that you have filed.
From our side it is simple. The payoff, the arrears and the fees come out of the sale at closing. We can wait on the court's schedule, and our number does not depend on a lender, so the sale does not add a third timeline to the two you already have.
Common questions
Can I sell my house while in bankruptcy?
Usually it can be done, but the answer for your case comes from your bankruptcy attorney rather than from a buyer. Once you file, the house generally belongs to the bankruptcy estate, which brings in the trustee and frequently the court. Nothing should be signed until your attorney has seen it.
Do you deal with the trustee for me?
We do not, and you should be wary of a buyer who says they will. The trustee and the court are your attorney's to manage. Our part is a firm written number, proof of funds, paperwork on request, and a closing on the approved date.
Will you wait for court approval?
Yes. There is no lender on our side and nothing that expires, so waiting on a hearing date is not a problem for us the way it is for a financed buyer.
Does the condition of the house matter?
Not to whether we buy it. Houses in a bankruptcy have often gone without maintenance for a while, and we buy them as they are. We also do not come back to renegotiate later, which matters when a court has signed off on a particular price.