We live in husbands grandmothers home, were supposed to buy it according to her will after she died but her named executrixs refused to open will and now home is in foreclosure and going for sherrif sale at end of Sept. We have lived in home for 9 years, now buying another home...first one fell... Read more »
I was unable to sell my old house because we owe more than it is worth. I decided to rent it out to avoid foreclosure despite having a clause in the mortgage saying we cannot rent it. Two years later we are in the process of evicting the tenant because he is always late with payments and is now... Read more »
In the vast majority of foreclosure cases, the question is not whether the Mortgagee noteholder will when, but when. You say the property is "my old house", but that your wife now owns it. You do not, however, say when that transfer of title occurred, nor what money or other value...Read more »
My husband added me to the deed after he bought the house. We are way behind with the payments. If the house is foreclosed I am going to lose ownership too . I am in the process of separation with my husband and I live in another state. I don't want to lose the money I spent for years on the... Read more »
The bank forecloses on the property and they take the money necessary to pay what is owed. You will lose all rights you have in the property if it is foreclosed on. If your husband wants to pay you for what you have paid on the mortgage he can agree to do so.
My husband bought the house before our marriage. My name is not on the mortgage and I have never signed any permissive note. My husband added my name to the deed because i am paying the mortgage for years( he is jobless for years). The house is at risk for foreclosure because I can't make the... Read more »
The mortgage lender can foreclose on the "whole house", inasmuch as adding you to the title after the Mortgage was recorded makes your ownership interest subject to the Mortgage lien. It the Mortgage holder forecloses, even if you never signed the Mortgage or Note, and the property is...Read more »
Been out of work since 9/17, foreclosure has started. I called laurel legal services for free help but was told I'm not eligible since I'm out of work. Can't they work out terms while you find work or get disability? I am so afraid I don't know what to do and I have no money at... Read more »
My parents are 80. My mother has Alzheimer's. Obviously I don't want them to be homeless. There is no family money and their lending agency (Bank of America). Can they declare bankruptcy and keep their home?
A chapter 13 bankruptcy proceeding is designed to enable debtors to keep their houses. There are debt maximum limits, however, and a Chapter 13 debtor must be receiving "periodic income" with which to fund a plan. Social security payments qualify as periodic income, if sufficient in...Read more »
The seller's obligation is to deliver clear title to the property at the settlement/closing of the purchase. In other words, the existing mortgage lien must be released, and the only way the mortgage holder will release is to receive full payment (or some other negotiated amount). I strongly...Read more »
To provide a reliable response, I'd need to examine the Note, Mortgage, and Notice and foreclosure Complaint, but short of that, if you have not signed the Note or otherwise committed to the foreclosing Lender to become liable thereon, you should have no personal liability for the Mortgage...Read more »
We paid every month except December (hard times with sons medical issues) and have our bank statements as proof. Though they are claiming we haven't paid since August. Where should we go from here? Contact the bank lawyers with our proof of payments or get our own lawyer?
For the most part, lawyers only do what their clients direct them to do. In your case, it appears that the mortgage holder, or designated servicer of the mortgage loan, has decided to foreclose. And yet, once a party has "lawyered up" about a matter, you are bound to direct...Read more »
Am I still responsible for the payment of the sewer bill even though we moved from the foreclosed property? They said I was responsible until the house deed changes names. That could be a year if it doesn't sell. What course of action can I take to get my name off the county tax assessment... Read more »
My house is attached to an abandoned house. I have squirrels in my walls and a mice infestation because the bank has failed to take care of the property. The pipes had burst (which the water was coming up through my basement) and I had the township turn off the water, but I'm sure... Read more »
Home was originally owned by aunt and uncle wo are now deceased. Was currently in the process of selling the home but the deed needed to be revised and recorded. I'm working with a realtor and title company and found a buyer. Title company informed me of a deliquent tax bill from 2014 for... Read more »
You need to contact an attorney in the county where this happened who handles real estate litigation. Were you or the estate listed on the tax bills? How would they know to contact you? Why didn't you just pay the bill if you were the sole heir?
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