The main signer filed chapter 13 last year. He fell behind now bankruptcy case is voided. He will get wages garnished. My concern is to protect my grandmother. With her living in florida I'm not sure where to start .
I’m not really sure if your grandmother is trying to save her one or not. I would need more information I would suggest contacting a Bankruptcy lawyer in Florida where your grandmother lives.
The application is on a DJ docket number so the case has been closed. How can I resolve this matter best, as I cannot afford to lose my wages or afford $158,000?
if you already have a wage garnishment against you, bankruptcy would likely be the most viable option to wipe out the debt and remove the garnishment. schedule a free consultation with bankruptcy attorney to discuss your options. most of us bankruptcy attorneys offer free consultations and flexible... Read more »
Hello - last year my loan was sold to Rushmore Loan Management and I tried to do a modification with them. What followed was a disaster and finally I had to sell my home for less than its value after they waited 6 months and refused to take any money while they made their decision. They decided... Read more »
Your situation is very complex and unfortunately all too common. Whether or not you have a viable lawsuit would require an in person consultation and a document review, which would be more than what attorneys would normally offer in a free consultation. If you actually have a viable case, an... Read more »
YES! Prior to filing a complaint in foreclosure, the mortgage lender must send the homeowner, via registered or certified mail, return receipt requested, a Notice of Intention to Foreclose. This is one of the most important protections that the Fair Foreclosure Act gives to homeowners. However,... Read more »
I am overwhelmed and there is too much stuff now packed into the storage units. I can’t even pull things out for the organizations to take stuff. I have one month before the first group is due in about a week after that the second group is due. If I have to pay all of these I will not be able to... Read more »
I am sorry to hear about your situation. Have you looked into any of NJ's state assistance programs?
https://www.lsnjlaw.org/Housing/Landlord-Tenant/Evictions/Pages/Programs-Prevent-Eviction.aspx
Is curing a default when a mortgage is in pre-foreclosure by the due date in a notice of intention to foreclose letter sent by the creditor to the mortgage debtor in New Jersey using up the once every 18 month reinstatement privilege New Jersey offers the mortgage debtor? Basically what I’m... Read more »
Your question(s)/statements are confusing and not legally or factually accurate. It sounds like you are playing Russian Roulette with a house that you cannot really afford, and could probably end up losing. You need to retain an experienced mortgage foreclosure defense and bankruptcy attorney, so... Read more »
-essions including all light fixtures and builtin appliances. Is this legal and can I be sued by the bank for acting as an agent?
The thinking normally goes that until the house is actually foreclosed, the owners own the home. However, that is flawed. When someone strips the home, like you are suggesting, they can get in trouble. Many banks submit an insurance claim to the existing insurance company to cover any damage and... Read more »
The bank foreclosed earlier this year. I was not involved at all. I had long vacated the property and was not healthy enough to follow-up with anything. The condo sold for more than the mortgage balance so there are funds that should be returned to me after their fees, etc. How do I start this... Read more »
You really need to retain an experienced New Jersey mortgage foreclosure defense attorney, so the attorney can obtain an accounting and the surplus funds that you are entitled to. This is not something that you can do on your own.
My girlfriend is separated from her husband. The house mortgage is solely in his name, but they are both on the deed. He has defaulted on the mortgage and the lender has already started the foreclosure process. My girlfriend showed up to the first court appearance and told the lender that she would... Read more »
I am sorry to hear about your girlfriend's situation.
You need to have her talk to an attorney. There are too many things that are happening in the foreclosure to tell you to tell her what she needs to do. She needs legal advice based on her situation.
There are many factors... Read more »
Due to a hardship years ago I fell behind my mortgage by 2 months. It remained that way for years. My town taxes went up by $47 Without my knowledge. Which caused my payment to go up. I didn't know it and sent in the normal payment which 2 weeks later was returned to me as a non full payment and a... Read more »
Thank you for your service to our nation. In order to determine exactly what your situation is, an in person consultation and document review is essential. Do not waste your money with any non-attorney or forensic loan audit, they are both just different forms of con-artists. You will need to... Read more »
I'm trying to get a new mortgage, and the Florida mortgage company where I now live is asking me this information and wanting documentation. I don't know where to look to find it.
If you had an attorney they can pull your file for you. If you didn't have an attorney you can either go to the court to get a copy or reach out to a bankruptcy attorney and they can pull your filing. It costs $0.10 a page for an attorney to download documents from Pacer.
The land that I sold is located in Atlantic City, NJ. I live in Randolph NJ
There is not standard cost for a foreclosure. Each case and the time that is consumed varies. What also matters is the value of the underlying property. Do not let geographic restrictions get in the way of retaining the best attorney. Pick the best attorney you can find and remember one rule: a... Read more »
that could potentially affect my credit. Both parents died in 2017 with NO wills. They both have massive amounts of medical debt and there is a mortgage on the home. I'd prefer not to move from the home and am named as an heir by the mortgage company (and named resident) and am contemplating... Read more »
You can just pay the mortgage. The bank does not care where the cash come from. As to the debts, you are not liable personally. If the debt exceeds the asset value of the estate, there is no benefit to an estate.
and then files for foreclosure, what happens when the property owner receives an "order setting date, time, place and amount of redemption" notice from the attorney representing the tax lien holder? Is that date really the last date the property owner can pay to redeem the property? Is that... Read more »
When the judge signs the order the property is legally the tax lien holders.
Declaring bankruptcy can extend the time to get the money to pay of the tax lien.
It may be easier to get a hard money lenders to loan the money, and probably have a lower interest rate than the 18% that... Read more »
Need help staying emergency
Is a sheriff sale scheduled? Did the home already sell and how long ago?
You need to speak to a foreclosure lawyer to go over your options. Waiting for answers online that cannot give you specifics is not going to help if your time is limited.
Sale is soon. Do I have any rights?
In order to provide you with a meaningful answer and help you, you need to have an in person consultation with an experienced mortgage foreclosure defense and bankruptcy attorney. These type of consultations are free and the only way to for you to find out exactly what your rights are. You should... Read more »
Although you certainly can do so, you really need to retain an experienced mortgage foreclosure defense attorney to represent you. Trying to represent yourself in Court is a bad idea. Not only are you emotionally involved, but you are not a trained attorney. You do not know the Court Rules, Rules... Read more »
My home was sold to Third Party at Sheriff Sale. He picked up the Deed and Title. How do I get him to record the Deed. I no longer own the home but he just keeps saying he will record the deed and title but has not. He has changed the locks and moved into the home.
You cannot force the issue. But you do need to file for Chapter 7 Bankruptcy to eliminate any financial liability for the property. Chose the best Bankruptcy attorney that you can find.
No it does not. You cannot transfer a mortgage. You really need to retain an experienced mortgage foreclosure defense attorney, because if you don't know what you are doing, you will trigger the mortgages due on sale clause. Do not let geographic restrictions get in the way of retaining the best... Read more »
There is not specific limit, but most quality attorneys will charge an hourly rate, not a fixed fee. Pick the best lawyer you can find and remember one rule: a good lawyer is generally never cheap, and a cheap lawyer is generally never good so don't choose based on price.
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