my home is listed for foreclosure/i have paid back money owed/status now?
404565
You should have something in writing that offered you to cure the foreclosure with a lump sum payment.  Did you get a receipt for the funds you paid?  OR Do you have the cancelled check you provided to cure the default?  \n\nContact your lender to determine the current status of the property and your ownership rights.  Typically the lender will only accept the funds required to cure the default and any other lesser amount if often unaccepted.  I hope you have had your payment accepted and thus have be successful in maintaining your ownership rights.\nGood Luck
617026
There is a great company tat can be of great help to you.\n\nQuadLakes, LLc 586-738-6541. Mr. P. Stiles\n\nThey are well seasoned in the foreclosure business.
837165
Have you being paying the mortgage on time and can prove that you have been?  Then file those documents, otherwise Banruptcy may be your only solution.\n\nGood Luck
115813
Call or write to your lender as soon as possible. Clearly explain the situation and be prepared to provide him or her with financial information. \n\nFor FHA Loans: Contact a HUD-approved housing counseling agency (1-800-569-4287 or TDD: 1-800-877-8339).  \n\nIf you are having difficulty with an uncooperative lender, call the FHA Loss Mitigation Center at 1-888-297-8685 for additional help.\n\nFor conventional loans:  Talk to your lender about specific loss mitigation options. Work directly with him or her to request a "workout packet." It may be that your loan was purchased by a secondary lender such as Freddie Mac or Fannie Mae.  Fannie & Freddie require that mortgage servicers to explore workout options with you.  \n\nIt's important to remember a few helpful hints: \n\nExplore every reasonable alternative to avoid losing your home, but beware of scams. For example, watch out for: \n\nEquity skimming: a buyer offers to repay the mortgage or sell the property if you sign over the deed and move out.\n\nPhony counseling agencies: offer counseling for a fee when it is often given at no charge. \n\nDon't sign anything you don't understand.\n\nBest wishes to you and your son.
312307
you may want to go to the courthouse to see the houses that are about to go into foreclosure. That way you might be able to negotiate with a motivated seller and get a good deal. All these things are public record so the courthouse might be the first place to look. There you could enquire how to look up these records.
70669
Talk to a lawyer about filing a bankruptcy to stop the foreclosure. That will likely only be a temporary fix, but after that you should probably consider selling unless you expect future income to cover the payments. Good luck.
716441
You need to call the numbers that are listed on the collection notices, give them your name and information, and verify with them if the payment is infact taken care of, or needs to be paid.  They are usually more than willing to help you give them their money back.  :)
72991
A suggestion: since you don't say what county (or state) you're in, why not try calling the sheriff's office you owe the money to and ask them?
106192
Call your local title company.  They can email you a foreclosure list.  It probably won't be the most up to date like the ones you pay for.  But, it's free.
1180398
I agree with spade_2nite, something doesn't sound right if they are contacting you for payment - if they had recieved a judgment.\n\n\nContact your county court clerk and ask if there is a judgment or a suit filed in your name. (You can also go to the clerks office and request to see your file.)\n\nIf there is no judgment or pending suit filed, that company is violating your rights. If that is the case - speak with an attorney immediately!!!\n \nIf there is a judgment filed and you had been properly served, check your state statutes for the exemptions in your state.\nFor example -  exemptions "may" mean that they cannot garnish your wages, take your car, take funds from your bank account etc. It all depends on "your" states exemption laws. \n\nAfter you check with your county court clerk and find that there is or is not a judgment against you, it may be best to speak with an attorney. There are many attorneys that will give a free first consult   \n\nAlso, I would suggest purchasing a tape recorder and the next time they call, tell them that you are recording the call. Some states allow you to tape without informing the other party that you are taping, you would have to check your state laws on that. But, if you cannot find your states laws on taping, then be sure to inform them you are taping when they call.  \n\nTell them that recieving phone calls at your home and place of employment is inconvenient for you and that you are requesting they contact you by the U.S. postal service only - be sure to have that on tape. By law, if you tell them to cease calling - they are "required" to stop calling.\n\nIf there is a judgment against you, filing for bankruptcy may not be the wisest thing to do - depending on the dollar amount of the judgment and your other debts. \n\n\nI have included a link so you can check your states rules of service
74664
Check out this site:\nhttp://www.foreclosure.com/
425870
I would suggest checking the amounts that comparable homes that recently sold for, in the same neighborhood, or in the same general area you are interested in. Usually newspapers print real estate transactions once a week or so. Or you can check the county webpage, and see if they have a listing for completed real estate transactions.\n\nI hope this helps.
377816
Try visiting your state's website for governing the real estate entity.  They should have a number to call for grievances.  If you are in California, visit www.dre.ca.gov.  That is definitely illegal and you may have a small window for statute of limitations on this so act quickly.  If you call the lender first, before seeking guidance, they may "call the note" which means that you will have to refinance or pay the loan in full at that point in time.
509075
I am a homeowner and I received court papers for a mortgage foreclosure. What does this mean? Do I have to move? \n\nIf the bank or mortgage company has started a foreclosure suit against you, you will be served court papers by the sheriff or by a process server. You should receive a summons (a notice from the court which tells you that a case has been filed and how long you have to respond to the complaint), a complaint, and possibly an order to show cause. These papers come with a deadline (usually specifically provided in the summons)! So, as soon as you get them, read them. Try to talk with an attorney about them so you can get some advice about what to do. If you delay in responding or do not show up in court, an order of default may be entered against you. This would be like automatically losing the case. The next piece of paper you could receive might be a notice to leave your house after the foreclosure sale is completed.\n\nI am a renter and I received court papers for a "mortgage foreclosure". What does this mean? Do I have to move? \n\nMost likely it means the owner of the property, who is probably your landlord, isn’t making the mortgage payments. You may have to move, but not right away. The most important thing to know is that the foreclosure does not immediately change your relationship with your landlord. In other words, you still have to pay rent or risk being evicted.\n\nIf the owner doesn't stop the foreclosure, you may eventually be forced to move, even if you have a written lease. It will take 3 to 6 months, perhaps a year or even longer, for the foreclosure to go through.\n\nYou should file a written response to the foreclosure complaint (which you should mail to the court and to the attorney representing the plaintiff), saying you are a tenant and that you want to be notified of what happens in the foreclosure case. If the foreclosure does go through, you should get a copy of the court order setting the date for the public sale. About 10 days after the public sale, the clerk of court will issue a Certificate of Title saying who the new owner is. The new owner can immediately get a Writ of Possession immediately and have the sheriff throw you out on as little as 24 hours’ notice. If you have a lease and you are current on your rent and other lease obligations, the new owner may agree to accept your lease and allow you to remain in the property.
1031423
It is a foreclosed home and the bank now owns it and is trying to sell it. If you are looking to buy an REO (Real Estate Owned..A fancy word for The Bank Now Ownes It) be prepared for a bidding competition with other investors. Get as much information as you can about the property  as you can. REO's can take time depending on the bank. I have done REO's that have taken up to 2 months and others that were less than an month. It really depends on the bank and how many people are bidding on it. \nhttp://www.lendermark.com
506380
Go to the county clerks office and look for any Lis Pendens filed against your property. Latin for 'a suit pending,'it's a written notice that a lawsuit has been filed which concerns the title to real property or some interest in that real property.This is the first legal document filed and it basically lets the owner know that litigation is pending.\nGood luck
429365
Unfortunately in the - very advanced - society we currently live in, the computers do not have a field for joint applications and/or accounts.\n\nThey - institutions and the like - say yes it is joint, but the fact is whoever is listed first, is who the account/property, etc is listed under.\n\nOne (the institution etc.) has to look further into the matter (via computer screen) to see the joint names.\n\nBut it is the individual that appears first on the account that USUALLY has ALL the control.\n\nHaving said that, when you contact the customer service departments, speak to a supervisor, if the rep. is not responsive. YOU ARE listed on the account and have the right to the information. So a)You should get billings - even if they are copies, and c)You are entitled to mortgage interest information - if you know the amount - then you are legally (understand I am NOT an attorney/accountant) entitled you use at least 50% - if not more. It depends on what percentage of mortgage /home equity you pay - even if you do pay ALL, ex may argue he used his funds to pay your 'whatever' bills.\n\nb)Equity account awarded to you - again speak to supervisor and/or their legal people. Explain you have judgment in your favor-they SHOULD- give you the access you need to the equity.\n\nd) If the house is in your name, then the house is yours and the loan is 'joint' Insurance claims as I understand (I'm not an insurance agent)are paid out to the lien holder's favor (mortgage company) who would then release it to proper party - like the people that reconstructed whatever broke - so do not pay out of pocket - let insurance company pay.\n\nNone of the above is easy, or a great way to do things.  it will take time, and probably longer than you would like. Document EVERYTHING, who you talk to and when, check your credit report regularly (I have a link to free report on my website) and do what you can to move on.\n\nYou may decide it prudent to get a second opinion from an another attorney, it may be expensive, but may be worth it, IF it allows you to get on with your life.\n\nGood Luck!