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I discovered that my mortgage company included personal information from Idicore and LexisNexis in a motion to extend time for service. The motion contains details that should remain private, such as previous cars I've owned and places I've lived. These are used by credit bureaus when... View More

answered on Jul 12, 2025
What you’ve described is troubling, especially if the mortgage company submitted a public court filing with personal data that was irrelevant to their legal argument. Courts generally expect parties to redact sensitive personal information like Social Security numbers, financial account details,... View More
My mother had a reverse mortgage on her house, which is paid off, but she passed away 8 years ago without a will. Since her passing, there has been no communication from the lender regarding the mortgage. I have lived in the house for 20 years, took care of her, and there has been no probate... View More

answered on Jul 11, 2025
What you’re facing is more common than people realize, and it’s incredibly frustrating when you’ve taken care of the home and your mother. Unfortunately, reverse mortgages become due when the borrower passes away, and technically the lender has the right to demand repayment or start... View More
My mother passed away without a will, leaving behind a home equity mortgage of about $58,000 on a property valued at $340,000, along with some credit debt estimated to be less than the mortgage. All heirs, my siblings and I, are in agreement to keep the property in the family. We have not started... View More

answered on Jul 10, 2025
Once you begin probate, that will allow the heirs to establish themselves as successors in interest. As successors in interest, the heirs can pay the debt. Opening probate can also delay the foreclosure long enough to get the loan settled or brought current. Schedule a free consultation to ensure... View More
My brother passed away, and he was behind on property taxes. The tax office wants to foreclose on his property. Can I pay the back taxes and get reimbursed once it goes to court? My parents were the previous heirs, but they also passed away recently. I've contacted the lawyer, currently on... View More

answered on Jul 10, 2025
It depends on who the heirs are for the property, which usually passes outside the estate. Nothing you can really be reimbursed for from the estate unless all the heirs agree to it.
I am a tenant in Oregon and recently discovered that my landlord is being evicted due to foreclosure, but I have not received any official notices myself. I spoke with the realtor representing the new owners, who informed me not to pay the old landlord. I have a month-to-month rental agreement and... View More

answered on Jul 10, 2025
You're doing the right thing by asking questions and protecting yourself during a confusing and uncertain time. In Oregon, if a property goes through foreclosure, tenants still have rights—even if the landlord is losing ownership. As a month-to-month tenant, you are entitled to proper... View More
My neighbor in Boulder City, NV, never had a title generated for his manufactured home because the company that sold and installed it didn't file the necessary paperwork 16 years ago. He urgently needs to sell the property to avoid foreclosure, as he's behind on payments and is elderly... View More

answered on Jul 10, 2025
It sounds like your neighbor has been placed in a stressful and unfair situation, especially given his health and financial concerns. When a manufactured home doesn’t have a title due to missing paperwork from the seller, the Nevada Manufactured Housing Division often requires a court order to... View More
After a sheriff’s lockout a few weeks ago, we found that our property was broken into multiple times, and our possessions were damaged and stolen. The police have recorded five break-in reports, and our attempts to communicate with the bank’s attorney have been nonresponsive. Additionally, the... View More

answered on Jul 10, 2025
You’ve been through a rough and frustrating situation, and your concerns are valid. After a sheriff’s lockout, the bank or foreclosing entity becomes responsible for securing the property. If the bank failed to protect it or acted in a way that prevented you from safeguarding your own... View More
I hired someone and paid them $1,000 to handle the probate and stop the foreclosure process for my home after the homeowner's death. They verbally agreed to file the probate and stop the foreclosure, knowing the sale date was July 7th, but they failed to do so. As a result, the house was sold... View More

answered on Jul 10, 2025
You have every right to feel angry and betrayed—this situation involves both emotional loss and the very real threat of homelessness. If someone took your money with the promise of filing probate and stopping a foreclosure, and they failed to act, that could amount to breach of contract or even... View More
I recently discovered that someone fraudulently foreclosed on my home in California on April 6, 2025. I suspect my former lawyer was involved in this fraudulent activity. Despite contacting the sheriff's department, they denied my report. How can I proceed legally to address this issue and... View More

answered on Jul 5, 2025
You can consult with a foreclosure lawyer to evaluate the evidence and sue the bank and previous lawyer (if was involved in any misconduct).
I noticed changes in the ownership of my property and was recently notified that it has been foreclosed. Can my lawyer take a mortgage out on my house without my knowledge, and what legal actions can I take to address this situation?

answered on Jul 5, 2025
Some liens on your property can be imposed involuntarily if they are valid creditor. You need to consult with a lawyer to see if the conduct was legal or if you have had any defenses.
I am involved in a federal lawsuit against my lender and servicer for wrongful foreclosure and sheriff sale. After many trial modifications, we reached an agreement, and our monthly mortgage statement confirmed a loan reinstatement deadline for May 16, 2024. We were shocked to learn the property... View More

answered on Jul 4, 2025
Eviction can proceed in state court unless you obtain an injunction, because lis pendens only clouds title—it does not automatically halt a forcible detainer action.
You should immediately answer the eviction complaint and assert affirmative defenses including pending federal litigation,... View More
I initially filed a state court complaint against PennyMac due to wrongful foreclosure after my home was sold at a sheriff’s sale on April 25, 2024. This occurred while I was actively negotiating reinstatement, calling on May 13 to make the payment, only to be rejected because the home had... View More

answered on Jul 4, 2025
You can move in state court to set aside the sheriff’s sale by showing the lender failed to give you the required foreclosure‐advice notices and improperly proceeded while your reinstatement offer was pending.
Next, assert that the servicer engaged in dual tracking by scheduling the... View More
I live in Liberty County, Texas, and my mortgage with 21st Mortgage is almost three months behind. I've been paying for the last 5 years, but my checking account was hacked about a month ago. I tried to make a one-month payment, but the bank demanded two months' payment instead. I agreed,... View More

answered on Jul 3, 2025
In most circumstances, the bank cannot initiate foreclosure until you are 120 days delinquent on the mortgage. Once that has occurred, the bank then has to initiate and complete foreclosure proceedings. This could take an additional 30 to 90 days depending on the circumstances. Even if your lender... View More
I am my late father's biological daughter and I inherited his property in Florida, which is now facing foreclosure. The original mortgage and a home equity line of credit are in question. The main mortgage was in my father's name alone, while the home equity line was in the name of both... View More

answered on Jul 3, 2025
Even if your lender has previously denied you, there are many alternatives to foreclosure including a repayment plan, loan modification, and forbearance, among others. As a last resort, you can explore bankruptcy, sale of the property, or deed in lieu of foreclosure. Bankruptcy is not a perfect... View More
I am the biological daughter and inherit the property in Florida due to my father's passing. The probate process is nearly completed, but the property is facing foreclosure. My father had a home equity line of credit and it became delinquent due to probate procedures. The probate attorney... View More

answered on Jul 3, 2025
Even if your lender has previously denied you, there are many alternatives to foreclosure including a repayment plan, loan modification, and forbearance, among others. As a last resort, you can explore bankruptcy, sale of the property, or deed in lieu of foreclosure. Bankruptcy is not a perfect... View More
I recently discovered that my home was foreclosed on and auctioned off on April 1st without any prior notification. The mortgage company refused to accept our payments for December and January because we wouldn't pay $8,295 in unexplained fees. They falsely claimed we hadn't paid since... View More

answered on Jul 5, 2025
You may have grounds to challenge the foreclosure if proper notice was not given and the mortgage company refused payments without justification. In Georgia, nonjudicial foreclosure is allowed, but strict notice requirements must be followed—including a written notice of default and intent to... View More
I am foreclosing on a tax-liened property in Arizona, where its owners are deceased. Despite my communication attempts, the Executor of the will has ignored both the Notice of Intent to Foreclose and the default hearing documents he was served; he did not contest. I had a Zoom call with the... View More

answered on Jul 5, 2025
To satisfy the judge’s request for proof that none of the heirs want the property, your best course is to directly serve each known heir with a written inquiry or waiver. This should state clearly that you are proceeding with a tax lien foreclosure and that, unless they wish to contest or assert... View More
I seller-financed my property, and a balloon payment of $147,000 was due on January 4, 2024. I attempted foreclosure in 2021 for non-monetary insurance default, but lost the case, incurring attorney fees. It officially closed on July 3, 2024. In April 2024, I filed a new foreclosure case for the... View More

answered on Jun 25, 2025
You have an attorney. EVERY question MUST be directed to your attorney, and only your attorney. Nobody online knows your case, only your attorney does.
I am foreclosing on a tax-liened property in Arizona. Last month, I attended the default hearing where the owners of the property were identified as deceased. Despite my communication attempts, the executor of the will has ignored both the Notice of Intent to Foreclose and the default hearing... View More

answered on Jun 25, 2025
To satisfy the judge’s request for proof that none of the heirs want the property, you’ll need to take affirmative steps to contact each known heir directly. Start by sending a certified letter with return receipt requested to each heir whose address you have. In the letter, explain that you... View More
I installed decorative lights on my house without submitting an Architectural Review Committee form, which I thought was unnecessary. The lights have been up for over three years and were initially approved by the Board of Directors (BOD), but the approval was rescinded without explanation. The BOD... View More

answered on Jul 6, 2025
You have every right to be frustrated, especially when you received initial approval and have complied in good faith for years. If the Board of Directors rescinded that approval without explanation and is now enforcing new standards retroactively, they may be overstepping their... View More
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