Quick answer
Obtain urgent legal review using the actual event date and case documents.
Do now
Gather sale or repossession notices, prior bankruptcy case numbers, loan statements, and court orders. Ask whether a lawful stay or other relief is available and what must happen before the event. Verify any claimed postponement in writing through official channels.
Watch for
An online intake form is not necessarily a filed bankruptcy case. Repeat filings and statutory exceptions can limit protection. Never assume filing after a completed sale reverses it.
Official sources
US Courts — Chapter 7 Basics, US Courts — Chapter 13 Basics, US Courts — Filing Without an Attorney, NJ Courts — Answering a Foreclosure Complaint.