At what point can an auction be stopped if a buyer buys property or when is it too late do anything? Is there a standard?

@John Meza

In New York State, I would see a bankruptcy attorney, generally a filing of bankruptcy stops a foreclosure temporarily,

an all cash offer before the foreclosure auction should cancel the foreclosure

@Douglas Dowell

Is my favorite attorney

Thanks for the mention @Brian Gibbons

Seek local legal counsel immediately.

It is true absent a state law provision the only sure way to stop a foreclosure is the automatic stay provision of the bankruptcy law.  I filed a fair number of those types of cases in another life.

Thank you Brian and Douglas for your feedback. It helps.

In Utah you can block the foreclosure within hours of the auction via BK but your attorney may charge you a premium fee for this. You might try reaching out to the lender(s). A lot of times they will entertain loan mods or a short sale first (thereby stalling the sale). If neither work out at least you bought more time in the home then try filing a BK to stall foreclosure. Even after the BK you can short sell or loan mod. If you are not upside down a standard sale will delay the same as a short. There are investor types out there that may offer to catch you up for a deed and rent back to you. Seek legal counsel for sure.