Comments on: 15 ways to delay foreclosure or even stomp it to pieces

By: Andy Morris

Andy Morris — Fri, 11 Nov 2011 21:01:05 +0000

hey michael… thanks!

i can’t speak to clermont county. however you can still short sale your home. the amount of the loss i generally immaterial. more important is what the bank values it when you submit the short sale. the will send out an agent and value it at current market value and then you can sell it at that.

regarding foreclosure time frame i am not familiar with clermont… however when i do the research what I do is i go to the sheriffs websitehttp://www.clermontsheriff.org/currentsales.aspx. on the website usually there is a list of houses selling this week or this month at sheriff sale. get the case numbers of the homes selling. then go to the clerk of courts and http://www.clermontclerk.org/pa/gdpa.urd/pamw6500.display and view the look up about 10 case numbers from the sheriffs website. you will then be able to see a pattern of how long it takes to foreclose.

By: Michael R

Michael R — Fri, 11 Nov 2011 20:54:49 +0000

Andy, your website is FANTASTIC!

We live in Clermont County OH. Bank of America served us a foreclosure summons about two weeks ago. We can’t afford to keep the house long-term, and have already lined up a different housing option. How long do we have from the “Foreclosure Summons” if we don’t file a Motion or Answer? We have a copy of the note from the bank, so we can’t raise that as a defense. We would rather “walk away” than file a BK. No realistic chance of a short sale – we are upside down more than 65K.

By: Andy Morris

Andy Morris — Tue, 08 Nov 2011 13:51:28 +0000

Dallas,

I recomend you contact your local BAR. If you are lower income try legal aid but you get what you pay for…

By: Dallas Trippy

Dallas Trippy — Tue, 08 Nov 2011 13:00:01 +0000

HI John,
I think CA is different, can you recommend a good Attorney who could delay a Foreclosure? Thanks

Dallas Trippy
949-309-7525

By: admin

admin — Thu, 03 Nov 2011 21:17:15 +0000

Hey Brandi, I don’t see your lease and I can’t give you legal advice. But unless you lease allows you to not pay your rent on this occasion there is no basis for not paying your rent. Seller still has title to the property. You are still getting value from living there. I assume you could justify breaking lease however. But to not pay can and will get you evicted. Eviction happens quick in most counties as compared to a 6 months to a year or more it might take to foreclosure in ohio here. If you plan on on not paying and just letting him keep deposit, I would give notice to your Landlord and try to negotiate that with him especially if you are in a lease and are breaking that. You could probably be justified for leaving early considering he has put you in a very difficult situation of not knowing when you will have to leave. You have to remember he could well negotiate to keep the home and stop foreclosure at any time.

However if it does foreclose you still have rights. I recomend you googling and reading “Protecting Tenants at Foreclosure Act”

By: Brandi R

Brandi R — Thu, 03 Nov 2011 13:07:35 +0000

Andy, We have been renting a home in Ohio for the last year. Our landlord- also the builder has not paid taxes or the mortgage for 2 years. The house is in foreclosure and the “owner” has filed both personal and business bankruptcy. We have always paid rent, but now that we have recd this info- decided not to pay rent for this month. We also had put a security deposit down equal to 2 months of rent, which we know we will not get back..nor is it in escrow. Moving is inevitable, but are we justified to not pay rent while we live in the house given the fact that we know we will not get our deposit back?(again deposit is about 2 months rent) Also, is the “owner” able to evict us- even though he is in foreclosure? If so, how long/ costly is the eviction process in Ohio?

By: Barbara Bostwick

Barbara Bostwick — Thu, 27 Oct 2011 16:45:17 +0000

Please send me the website with instructions on how to ask for a continuance of the court date.

By: Andy Morris

Andy Morris — Fri, 30 Sep 2011 02:19:40 +0000

i would look for an attorney to help sue your lender…

By: RLR

RLR — Fri, 30 Sep 2011 01:49:17 +0000

Andy, we are presently in a chapter 13 Bankruptcy which we have been paying on for 2 years. Unfortunately, we have not paid on our house for about 1 1/2 years. During this time we have been trying to work out a loan modification. We submitted a request through Naca…the bank said they could not talk to Naca due to BK – even though we sent them a letter from the attorney granting permission. We also had a forensic review about a year ago that we have never received a response to. In May 2011 we signed a permission letter for our mortage company to review our mortgage for HAMP. The said we would have a response in 30 days. We finally received a letter today stating that we did not qualify for HAMP as we submitted a response to them that we would not accept their trial offer. This was the first we had heard of this? We truly want to fight to keep our home. We have less than 30 days as the letter took 10 days to get to us. What do you recommend?

By: Andy Morris

Andy Morris — Tue, 30 Aug 2011 01:37:17 +0000

sorry… didn’t complete that… if you aren’t in Ohio I know he could consult with a local attorney to provide that…