Posted on: 25th Jan, 2010 08:31 am
My home is being foreclosed 3/31 and I am 6 months behind. My mortgage company denied my payment to get caught up. We have a hearing on Feb. 1 and I do not know what to expect. I can't get in to see a bankruptcy attorney and I want to keep my home if they would accept my 6 months payment.
My husband recently was laid off and I have filed for HAMP and am awaiting to hear if my modification will be approved.
My question is...what can I expect from the hearing on Feb. 1 and my response to appear at the hearing is due in 2 days, Jan. 27. PLEASE HELP
My husband recently was laid off and I have filed for HAMP and am awaiting to hear if my modification will be approved.
My question is...what can I expect from the hearing on Feb. 1 and my response to appear at the hearing is due in 2 days, Jan. 27. PLEASE HELP
i don't believe that you have to make up some sort of defense in your response. you wonder if they'll accept your 6 months' payments? does that mean you have the funds to catch up? if so, i'm quite sure they'll be happy to accept that money, and work with you to rectify the whole situation.
Thank you for your response. Yes, I do have the 6 months funds to catch up with my mortgage. The mortgage is unwilling to work payment arrangments for late fees as well as the attorney fees. How should I proceed? I filed a response today denying all the allegations instructed by a friend/bankruptcy attorney. According to the complaint it indicates that I must file a response by 1/27 and pay the filing fee which I will do. I think my mortgage company wants all the fees paid up to date but I can't do that the late and attorneys fees, I have suggested to make payments over the next 12 months if they'll have me.
Regarding the Response due with the Court by 1/27 if I do not file a response they can proceed with foreclosures without any saying notice from me
it makes a great deal of sense for them to accept your plan. once they have the loan portion caught up, they need not worry about additional fees being added for advertising, lawyers, court fees, etc. your "friend" ought to suggest to you a good, cheap lawyer to represent you in front of the bank, or perhaps he could write a nice, neat professional letter to them outlining your plan, and citing the amounts they can save by being cooperative with you. after all, you're trying your best to cooperate with them in this mess, and your mutual ultimate goals are to save the mortgage debt and keep a foreclosure from happening.
Thank you so much! I hope the judge agrees. We will wait to see what happens with the Court. Pray for me and Pray for my house!
Thanks again!!
Thanks again!!