Q: My bankruptcy was closed/completed in Jan 2019 but the mortgager still hasn’t foreclosed on the property.
I continue to get statements showing I owe more than $50k to bring the mortgage to date, that the bank assigned a flood policy and hazard policy to the mortgage, resulting in exorbitant fees, and that my property taxes are many quarters overdue. The house was badly damaged in a hurricane (Sandy) and no company, not even Lloyd’s of London, will provide liability coverage on it. It’s a sitting nightmare for us should it fall and damage neighbors’ properties on either side, or if vandals break in and get hurt. What can we do to protect ourselves?
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- New Jersey
- (973) 798-6131
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- Answered
A: First of all, if you were represent by a bankruptcy attorney, you should contact the attorney. Second, there is a big difference between whether a bankruptcy was closed or discharged. If you got a discharge, then that is the end of your financial liability. Third, a property manger is someone who manages a property of some type for another individual or a company. So, they are not likely to have the authority to foreclose. No matter who a lender is they cannot be forced to foreclose on a property. Something does not add up here at all.
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