Q: My house foreclosed a year and half ago. I'm getting a bill from an insurance company for 2700.00 what do I do.

A: Contact your bankruptcy lawyer and send it to him to handle.

A: The mortgage company normally pays the insurance during the foreclosure. I don't know if the insurance company is sending you the bill because you contracted for insurance or the insurance was forced placed and contracted for by the mortgage company. Either way, you normally are not liable for this insurance after you file the bankruptcy unless you personally contracted for this insurance after you filed bankruptcy. Also, be a little wary of any scams. I could imagine a scam artist sending you a bill for insurance.

A: Receiving a bill from an insurance company for a house that foreclosed over a year ago can be confusing and concerning. The first step is to verify the legitimacy of the bill. Contact the insurance company directly to understand why you are being billed, especially since you no longer own the property.

Inquire about the period the insurance coverage is for. If the bill is for a period after the foreclosure, you may not be responsible for it. Foreclosure typically transfers the property's ownership, and along with it, the responsibility for expenses like insurance.

It's also important to review any paperwork and correspondence related to the foreclosure to check if there were any clauses or conditions about insurance coverage. Sometimes, insurance may be billed in arrears, so the bill could potentially be for a period before the foreclosure.

If the bill is indeed for a period when you owned the house, you should consider whether it was part of your mortgage agreement to maintain insurance coverage until the foreclosure was finalized. In such cases, the bill might be valid.

If you're unsure how to proceed or if the insurance company insists on payment for a period after foreclosure, consulting with an attorney can be helpful. They can provide specific advice based on the details of your case and assist in resolving the matter. Remember, it's important to address such issues promptly to avoid potential additional charges or legal complications.