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Maine Foreclosure Questions & Answers
1 Answer | Asked in Foreclosure, Real Estate Law and Collections for Maine on
Q: Is my girlfriend allowed to gain the title to her trailer after a profit loss write off on the mortgage?

My girlfriend and her mother both had their names on a mortgage for her trailer. It was paid on decently from 2015 to the end of 2018 when her mother passed away. Afterwards we spent a couple months trying to contact the company we paid mortgage to, which in turn caused us to talk to the owner. We... Read more »

Fred Bopp III
Fred Bopp III answered on Feb 9, 2020

I am sorry, but I would need more information in order to analyze this situation properly. For starters, who is the owner you reference above? Is this person the owner of the trailer? If not, who is the owner of the trailer? Also, who is the holder of the mortgage? Finally, why do you say you... Read more »

1 Answer | Asked in Foreclosure and Real Estate Law for Maine on
Q: Buying a bank owned foreclosure with a Les Pendens

We are in the process of purchasing a bank foreclosed property at auction, the property has a Les Pendens on it from a local hospital here in Maine. We paid 37,000 at auction. The preforclosure started in September of 2017, the bank wanted 160,000 so they took a large loss. The Les Pendens was... Read more »

Fred Bopp III
Fred Bopp III answered on Dec 1, 2018

I think you mean lis pendens, but in any event, the answer to your question is, as long as the foreclosing bank properly recorded a copy of the foreclosure complaint or what is known as a clerk’s certificate in each registry of deeds in which the mortgage deed is or by law ought to be recorded,... Read more »

1 Answer | Asked in Foreclosure for Maine on
Q: When is a mortgage payment considered past due allowing the financial institution to bring a foreclosure proceeding?
Fred Bopp III
Fred Bopp III answered on Nov 10, 2018

Assuming this is a mortgage on your home, the financial institution must provide you with a written notice of default and right to cure your mortgage loan default (assuming that the default is for non-payment). The notice must state that you are "in default" and that you have 35 days to... Read more »

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