Get free answers to your Foreclosure legal questions from lawyers in your area.
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answered on Feb 4, 2025
Typically, lenders postpone sales, often repeatedly, while someone in in bankruptcy. That way, if the case is dismissed, or if the Court grants them relief from stay to proceed with the foreclosure, they don't have to start the process over again. The best way to prevent the lender from taking... View More 
I am concerned about foreclosure in the future. I sent a hardship request to my bank last June, but they have offered zero assistance despite frequent communication. What are the bank's obligations regarding forbearance or loan modification if foreclosure becomes an issue?
answered on Mar 13, 2025
I would suggest calling Hope Del Carlo at elemental.law. She is on top of all the foreclosure stuff in Oregon.
Where. Did the grant money go that I was told originally "was put into an account on my name and if I ever needed any of it just call and tell them and they'd cover mortgage as needed with funds in my name but they keep all interest"?!
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answered on Jan 24, 2025
When dealing with something as significant as a HAF grant, sending important documents through verifiable mail is crucial. This ensures there’s a reliable record of delivery, giving you peace of mind and providing proof if disputes arise. If papers were not sent securely, it’s worth reaching... View More
In mortgage company breach and has lost everything but home which they are foreclosing on now?! Neat business moves for them!
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answered on Jan 24, 2025
I’m so sorry you’re going through this—nobody should have to deal with such stress and loss. It sounds like you’ve been caught in a really tough situation with the breach and foreclosure, and it’s completely understandable to feel overwhelmed. When a data breach compromises personal... View More
Can I ask him for a list?
answered on Oct 22, 2024
Did your mother pass away or did she hire a probate attorney? Were the expenses incurred by the attorney or someone else? More information is needed before your question can be accurately answered.
answered on Jul 10, 2023
Because the likelihood is that if you don't have funds to immediately reinstate the loan you are not going to get anywhere with the lender and you will have to file a chapter 13 to stop the foreclosure and give you 60 months to pay back the amount that you are behind on the mortgage. People... View More
My loan Is a 30 yr for @$250,000 in 2007, it was payed down to $44,000 by 2019, as it stands is I owe @$22,000, and have missed the last 6 payments, also the market property value is above $600,000, on two tax lots with condo development on the adjoining lots behind our property. I believe they are... View More
answered on Jul 10, 2023
Ultimately a Chapter 13 bankruptcy is the tool to stop the foreclosure. I would suggest contacting Michael O'Brien in Portland. Doesn't really matter what town you are in. He may be able to help short of filing a Chapter 13 as well.
My sister and I live with mom and we are all on disability. I don't know what all we need to do for all of this and we can't afford and attorney. We need property taxes to keep from going into foreclosure. Any help will be appreciated.
answered on Jun 30, 2023
Go to this website and follow the steps to help your mother defer her Oregon property taxes:
https://www.oregon.gov/dor/programs/property/pages/senior-and-disabled-property-tax-deferral-program.aspx
If your mother lives in Multnomah County she may be eligible for free legal... View More
A building contractor that I individually contracted with put a mechanics' lien on the house where he performed work in Portland and is foreclosing. My son and DiL are the title owners of record, live in CA, and had no knowledge. I have no legal interest and acted as an implied agent, so... View More
answered on May 13, 2022
Everyone named in this action should hire their own attorneys to assist on this matter since everyone has their own interests in it. In order to have someone removed as a party, the proper motions need to be filed and granted - it's not as simple as just removing them.
You can find... View More
when i took over my fathers estate the loan got sold to another company. the new com[any accepted 2 payments from me then denied me making payments for about a year, stating that i was not someone on the loan that could be talked to. it took me a long time to get the information from them that they... View More
answered on Sep 27, 2021
Dear Asker,
I would suggest someone in the debtor/creditor world who likes creative cases with a few complexities.
Options might be.
Keith Karnes,
Tim Eblen
Michael Obrien
You can google those names with "attorney" and you'll find... View More
A brother who has recently passed was staying on property. There is a foreclosure on property due to neglect of paying a county property tax debt. What if any is the easiest way to obtain legal rights to pay off tax debt? And be the executor of property. Thank you.
answered on Dec 22, 2020
Probate is the legal process whereby a court oversees the distribution of assets left by a deceased person. Assets are anything a person owns with value, such as real property (home and land).
A probate is needed to clear title to land or a home that was held in the name of the deceased... View More
Also, if the bank will take the house for what's owed to them, can the surviving family take over the debt so that they can keep the house?
answered on Mar 17, 2020
The bankruptcy ends when the person who filed dies. The house not having been foreclosed now belongs to who ever inherits the deceased owner's interest in the house subject to other claims by the deceased owners creditors which may or may not require a probate to sort out. Any foreclosure... View More
answered on Feb 13, 2020
Yes - but I warn/highly encourage you to contact the foreclosure trustee or attorney and ask them for an up to date reinstatement quote when you are ready to reinstate and ask them for instructions as to where to send the reinstatement funds. If you just make a lump sum payment to the loan... View More
When my mother passed away without a will, she was in bankruptcy and trying to avoid foreclosure. The bankruptcy has just been discharged, but the house wasn't in it so it is still subject to foreclosure. I want to keep the house & assume the loan, and have submitted documents establishing... View More
answered on Nov 10, 2019
Once a mortgage is delinquent all sorts of additional charges get added on including Attorney's Fees and usually the only way to save the property is to pay all the past due amounts in one sum. If you don't have money to hire an attorney you probably don't have money to catch up the... View More
I just learned that my grandma's house is in foreclosure and scheduled for auction in about a week and a half on 6/20/19 due to an unpaid loan. If she were to file for bankruptcy, would it take the house off the auction block?
My husband is on disability as well as our son. Our home is paid off but we are very behind on property taxes and the county has given my husband until the 22nd of this month to pay at least $4000.00 of the $13,000.00 he owes or they will get the foreclosure process started. Our home is in my... View More
answered on Sep 4, 2018
Dear asker,
As an attorney and member of the Oregon state bar who you have not hired I need to make you aware that the below information is the general thoughts I have on the topic without having met with your or reviewed any documents, etc. It is not specific advice and I am not your... View More
I rent a forclosed home with a 1 year lease agreemwnt that ends in oxt on july 7th the sheriff auctioned the house nobody beat the credit bid so the bank owns it again obviously i no longer gave to oay my previous landord or do I? Furthermore if the house is in a desirable area but in a state of... View More
answered on Jul 25, 2018
First it is important to be quite sure that the house was actually auctioned. Receiving a notice of sheriff sale posted on the property with a date for the sale does not mean the sale actually happened. sales are often postponed or thhe owner files chapter 13 and brings the property out of... View More
The creditor appeared out of no where after 8 years with out any collection effort. Added in compounded interest and is in the process of trying to foreclose on my property. He received a decision that said he could sale my portion.
answered on Jun 21, 2018
That is really an Oregon collections uestion rather than bankruptcy question. Consult a local attorneywho can properly advise you.
answered on Nov 18, 2017
This is not a general real estate law question. It is a landlord tenant law question. Try reposting this as a landlord tenant law question. There are also a lot of articles on the internet about this new Portland Law, so you can google the topic and read the articles you find. Be aware that... View More
My family and I have lived in the same residence for 7 years with a friend. Our friend died 3 months ago. He had a will but it was stolen by his son. He is not initiating probate. Our friend had a mortgage on the house with OCWEN. A title company said the house was foreclosed on in 2015 in a... View More
answered on Aug 18, 2017
The first thing to find out is whether the house really was foreclosed and to confirm the current owner. You may want to approach the current owner and inquire about renting/renting to own/buying the home if you are interested. The danger, of course, is you will be calling their attention to the... View More
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