How to obtain stay on houses defaulted on EMIs.

A person defaulted on his housing loan for a few months(The house is owned by his wife). The house is vacated by them and kept locked. He defaulted housing loan on another housing property owned by himself. This house was leased and a tenant stays there. Meanwhile, he had to close down his business due to mounting losses, and filed bankruptcy. The Finance Company, from where they took loan clubbed both properties and initiated proceedings, by serving auction notice. What are the possibilities of obtaining stay for both houses and the expenses involved? In the case of the 2nd house, the owner is not in a position to return the lease amount to the tenant due to his vulnerable financial position. Property location is Tamil Nadu and they are Hindus.