Ask a Question

Get free answers to your Foreclosure legal questions from lawyers in your area.

Lawyers, increase your visibility by answering questions and getting points. Answer Questions
California Foreclosure Questions & Answers
1 Answer | Asked in Foreclosure and Real Estate Law for California on
Q: Our home is in foreclosure and we were finally able to get refi’d but the closing date is one week past the sale date

How can we postpone the sale date?

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 11, 2023

If your home is in foreclosure and you have successfully obtained a refinancing option, but the closing date falls one week after the scheduled sale date, there are a few steps you can consider taking to potentially postpone the sale:

1. Contact the lender: Reach out to your lender...
View More

1 Answer | Asked in Foreclosure, Real Estate Law and Landlord - Tenant for California on
Q: I have a rental agreement for the house I live in and found out that it is going up for auction what are my rights?

The home owner is telling me I have to leave and I need to know what my rights are as a tenant after the house sells at auction can I stay till my lease is up?

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 5, 2023

As a tenant in California, you have certain rights when the property you are renting is being sold at auction. If the property is sold at auction, the new owner will become your landlord and will be responsible for upholding your rental agreement. However, if the new owner intends to live in the... View More

1 Answer | Asked in Foreclosure and Real Estate Law for California on
Q: My mortgage company will not work with me about bringing my mortgage current, and they never told me about the cares act

They already have a class auction lawsuit against them because they did not tell their customers about the cares act

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 5, 2023

If your mortgage company is refusing to work with you to bring your mortgage current and did not inform you about the CARES Act, you may have legal options to pursue.

Under the CARES Act, certain mortgage relief options were made available to homeowners affected by the COVID-19 pandemic,...
View More

1 Answer | Asked in Foreclosure, Real Estate Law and Estate Planning for California on
Q: Trustor of Deed of Trust has fraudulently deposited check noted “Last Note Payment” when they are delinquent 20 payments

I am the PR for my step dad’s long running Estate. The Estate holds a 20 year Note with Deed of Trust for small apartment and retail commercial property in CA. The previous PR (step dad’s older brother) allowed trustors to accumulate 20 delinquent payments over 19 years with only telephone... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 5, 2023

In California, if the Trustor of a Deed of Trust has fraudulently deposited a check noted "Last Note Payment" when they are delinquent on 20 payments, this may constitute a violation of the terms of the Deed of Trust and the Trustor's obligations under California law.

As the...
View More

1 Answer | Asked in Foreclosure, Real Estate Law and Tax Law for California on
Q: I am looking to buy Property through Tax Auction in California. I have the following legal questions regarding it

1) If I buy a property which is in Tax Deed, and I become the Owner. What happens if they have leased the property to someone for many years? And that lease is not recorded in the County Office officially. Is that still valid and I have to respect that as new Owner?

2) If the same is true... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 24, 2023

If you purchase a property through a tax auction and become the owner, any existing lease agreements that were not recorded in the county office may still be valid. You will need to review the terms of the lease agreement and determine whether the tenants have a legal right to continue living on... View More

1 Answer | Asked in Foreclosure for California on
Q: My deseased mothers home is in foreclosure Can I apply vivid relief to her morgage
James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Feb 20, 2023

It's not entirely clear what you mean by "vivid relief." However, if your deceased mother's home is in foreclosure, you may have some legal options to try to prevent the foreclosure or delay the sale of the property.

One option would be to work with the mortgage company...
View More

1 Answer | Asked in Contracts, Estate Planning, Foreclosure and Real Estate Law for California on
Q: When an I or ancestor of mines or family member owns a property outright but has no access to it who do I contact?

Contracting data are signed and dated. Some residents have tenants others vacant. Ownership information access via online.

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Feb 20, 2023

If you or an ancestor or family member owns a property outright but does not have access to it, you may want to contact a real estate attorney to help you understand your legal rights and options.

In general, there are several reasons why someone may not have access to a property that they...
View More

1 Answer | Asked in Foreclosure, Real Estate Law, Land Use & Zoning and Landlord - Tenant for California on
Q: 1161a Unlawful detainer against the Trustor

The trustor is the administrator of the estates. The property is in unincorporated Los Angeles County (RSO just cause)

The lessee is the administrator

Which notice would be required 3/60/90 ??

The property is also on Agricultural land (1161(2))

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Feb 19, 2023

Section 1161a of the California Code of Civil Procedure relates to the unlawful detainer of a property by the trustor, or a person who holds the legal title to a property in a trust. This section allows for the trustee or beneficiary of the trust to bring an unlawful detainer action against the... View More

1 Answer | Asked in Foreclosure, Real Estate Law and Bankruptcy for California on
Q: My brother passed away in 2020; we were joint tenants on his house, I now own; Has his mortgage loan extinguished?

My brother purchased his home in 2002. He filed ch 7 bankruptcy; all debts discharged 7/8/11. On 12/14/09 he executed a Quitclaim Deed and made me a Joint Tenant with him on his house. I did NOT sign a reaffirmation agreement on his mortgage loan.

Joshua D. Brysk
Joshua D. Brysk pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jan 19, 2023

I assume the loan only had his name and was made prior to the bankruptcy. We would need to know how it was treated in the bankruptcy--even with a discharge, he may have re-affirmed the debt making his estate liable. Regardless, your title is subject to the lien--liens are not automatically... View More

2 Answers | Asked in Foreclosure, Personal Injury, Real Estate Law and Civil Litigation for California on
Q: Which type of attorney handles cases relating to suing the city for negligence against residential inhabitants?

The city has allowed warehouses to box my house in on all four sides and for the past few years, it has been a living hell with warehouse owners, construction workers, and big rig drivers, noise, etc. My children can no longer be outside to play. I tried Personal Injury attorneys, but they said... View More

Patrick William Steinfeld
Patrick William Steinfeld
answered on Jan 17, 2023

This is a question for real estate and zoning attorneys. Good luck.

View More Answers

1 Answer | Asked in Consumer Law, Foreclosure and Real Estate Law for California on
Q: Can an HECM mortgage company legally lock us out of my deceased mother’s home that we occupy before foreclosure is done

No will, trust, or probate. Title held in both parents names. Both deceased. Last one on 9/20/22. Email from HUD services states we need to leave and they may lock us out at any time. Need time to empty the home. Home is not worth the mortgage balance. Ok with foreclosure as long as we have some... View More

Leon Bayer
Leon Bayer
answered on Nov 16, 2022

yOU WILL DO YOURSELF A BIG FAVOR BY SEEING AN ATTORNEY IMMEDIATELY with (sorry about the caps) all the relevant papers. Frankly, it sounds like there have already been foreclosure and eviction proceedings.

1 Answer | Asked in Foreclosure for California on
Q: Civil code 2924m What action can an individual take when Ca. civil code 2924m is breached? Who is responsible for

Who is responsible for enforcing CCC 2924m? CA Civil Code

James R. Dickinson
James R. Dickinson
answered on Sep 25, 2022

Speak with a real property lawyer in your area. [I litigate cases. Anything posted here must not be construed as legal advice, nor as grounds for forming an attorney-client relationship. You should seek an attorney for formal legal advice and representation.]

1 Answer | Asked in Foreclosure and Landlord - Tenant for California on
Q: we ne help fast we dont have much time we got a unlawful detianer and they sold our house wrongfull i lived here for 20

we did to know how to fill and appial and sueing the bank

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Sep 24, 2022

I highly advise that you speak to a qualified attorney as soon as possible to preserve your rights.

2 Answers | Asked in Foreclosure, Real Estate Law and Probate for California on
Q: My grandpa passed and did not leave a will. His kids didn’t go to probate or pay mortgage. What are my option to save it

The mortgage has not been paid since he passed. And the tenants just received a foreclosure notice. The property needs more work than it’s worth but I spent so many summer days there and it has great sentimental value of the property. How can I stop it from being foreclosed on and not have my... View More

Yelena Gurevich
Yelena Gurevich
answered on Jul 26, 2022

You need to consult with a probate attorney. Because there was no will, the laws of intestate apply (ie property goes to grandpas kids, then grandkids, etc). Talk with a probate attorney if there is anything that can be done if grandpas kids won’t sign away their interest.

View More Answers

1 Answer | Asked in Contracts, Foreclosure and Real Estate Law for California on
Q: What makes a loan document void
Rod B. Tuazon
Rod B. Tuazon
answered on May 4, 2022

This is quite a broad question to answer. If you have specifics, it would be easier to identify if the loan may be void or voidable.

There are several ways to challenge the validity of a loan. If there are missing terms, such as the number of years to pay or the interest rate the lender...
View More

1 Answer | Asked in Foreclosure for California on
Q: can your bank send you out a loan modification package after they sold your house?

I had a loan mod approved bank called me back to remove ex husbands name said i would get updated package never got callwd and emailed dozens of x never told buy 1 person in bank my house was in foreclosure they finally said they found my modification and would fedex it out they did but then i... View More

Yelena Gurevich
Yelena Gurevich
answered on Dec 20, 2021

you need a full detailed consultation with an attorney that has experience in mortgage litigation. there are too many facts missing and the attorney would need a timeline and all documents you have.

1 Answer | Asked in Foreclosure for California on
Q: My house was auctioned off due to foreclosure. My name was not on the mortgage? Would I qualify as a eligible bidder?

The mortgage was in my ex brother in law's name. Before he passed away he deeded the house to me. Would I qualify as a eligible bidder or eligible tent buyer?

Yelena Gurevich
Yelena Gurevich
answered on Dec 13, 2021

no. if you are on title to the property, you would not be able to bid at auction. the post is a little confusing because you say the "house was auctioned off" which implies it was already foreclosed upon so it's not clear how you would be able to bid on anything at this point.... View More

1 Answer | Asked in Contracts, Foreclosure, Real Estate Law and Civil Rights for California on
Q: covid: I pro per-no friend come with but plaintiff+lawyer allowed @hearing: now 2 declarations to my 1= viol of rights?

In a UD action, at a hearing of which I appeared in pro per, my friend came with me, for support, and for me to have a witness, but was denied access by the Bailiff, denying me the chance to verify claims now before the court. b4 entering ct. rm counsel put me in a moral quagmire, weighing my... View More

Louis George Fazzi
Louis George Fazzi
answered on Dec 2, 2021

You need to discuss all these issues with a lawyer. This question and answer format does not give us the opportunity to review all your evidence, or lack thereof, and then give you clear advice on what you might do.

Furthermore, there is insufficient information about what the result of the...
View More

1 Answer | Asked in Foreclosure for California on
Q: HOA is trying to foreclose on my home and has been avoiding my house because of non payment what are my options

i hadnt paid for sometime based on the fact that HOA was harassing my mother who lived at the property

and refused to take care of the property and would skip her house because of one of the board members

not liking her

Yelena Gurevich
Yelena Gurevich
answered on Oct 19, 2021

HOA is within their right to foreclose. The only way to avoid foreclosure is to bring the account current all at once or file a chapter 13 bankruptcy to enter a payment plan to catch up. You will need to have a consultation with an attorney. (Note: withholding HOA payment is not the proper... View More

1 Answer | Asked in Foreclosure for California on
Q: I’m in CA. We’re 8 yrs behind on a 15-yr 2nd Mortgage taken out in 2004. Can they still foreclose if S.O.L is 4 yrs?

We’re trying to avoid foreclosure (auction in >1 week) on our 1st mortgage (30 yr, taken out in 2002, and 40+ months behind on payments). My bk hearing is coming up in a few days for a Chapter 13 BK, and the repayment plan is huge. I was hoping to strip off my husband’s second mortgage... View More

Yelena Gurevich
Yelena Gurevich
answered on Oct 11, 2021

Yes they can still foreclose. There is no such statute of limitations on secured debt. Talk to your chapter 13 attorney as to your options. If you cannot remove the lien in the chapter 13, you may have to pay to keep the home, or you may have to consider selling the house.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.