Has anyone be wrongfully foreclosed on and if so what type of settlement did you obtain?
We have be foreclosed on but we have salaried all our payments on the dot and are not in evasion. We have adjectives the cancled checks from the bank that our mortgage company cashed but they are not showing the payments and foreclosed. We spent a year trying to obtain this worked out through the mortgage company but they were usless. So I'm consultation with my legal representative tommorow but I wondered if anyone had have a similar experiance and what was the outcome.Answers: By foreclosure, you are truism that the bank have already gone through the legal process and have been granted ownership of the home. Is that what you propose? If so, depending upon which state you are in, you own some problems ahead of you. The foreclosure process is fairly involved and, I believe, will involved hearing and numerous notifications.
Depending upon the state you are contained by . if you have received notification of intent to foreclose, that would indicate that the sandbank has simply served consideration of their intent to foreclose (or that there have been a court audible range set).
At this point, your issue is NOT obtaining a settlement. It is clearing the transcription through the court systems. I would also recommend that you ensure that your attorney has experience working through issues close to this (ask that question specifically!).
If you hold all this the court is contained by fault obtain a lawyer which you already own and talk roughly a
Counter suit involving pain and anguish you and your relatives have gone through living beside the threat of loosing your home
I have never hear of this. What do you mean the lender is "useless"? What is the lender's response when you confront them near your proof of payment annals?
Does anyone know if someone signed one of your mortgage papers they we may of forgot is adjectives of it blankness?
We refinanced our home and to make it short we get our first bill and it was wrong so we tried to fix it and no luck so we didn't repay. They tried to forclose and when we got our papers own found someone signed my name on the memo. We never received any paperwork from the time we signed for the mortgage. Wouldn't our mortgage be voided? Please helpAnswers: It does not nouns like fraud to me. Although it sounds as if you are wanting to commit fraud yourself.
It does not issue that you forgot to initial one of the 20 or so pages of your mortgage, your husband did and it is passable to believe that you did not initial by mistake, not because the bank be trying to hide any information from you.
Your mortgage is not blankness. They gave you a chuck of bread, you spent it, and now is the time to settle it back. That is pretty simple.
Actually the officially recognized documents with a loan are terrifically crucial...especially signatures and titleholders along with conjugal status if more than one party is involved.
Yes, this could negated your mortgage and even sounds like potential fraud. Contact a TRUE estate lawyer without hesitation.
Not enough facts. It sounds approaching you refinanced. You used the money and got the first bill. What be wrong with the bill?
If the transcribe wasn't signed by you (and you can prove it) then the mortgage would be voided. BUT YOU WOULD HAVE TO PAY ALL THE MONEY BACK WHEN IT WAS DETERMINED THAT IT WAS VOID.
Why didn't you obtain a copy of the paperwork that you signed, on the day you signed them. BAD MISTAKE>
EVERYONE: if you sign a document - grasp a copy of it, on the spot.
Sorry this question seem to be a jumble to me.
In one part you enunciate "we signed everything in front of a notary" Then next you say "found someone signed my entitle on the note" and even later you say-so that someone "signed my husbands name you can clearly see the differnce"
It sounds resembling you are in a world of problems. You inevitability a lawyer or you will lose your house. If someone did forge your signature afterwards you have a bag. I can tell you it is a tricky thing to prove. the reality that you didn't make any payments at adjectives does not bode well for you. If you have been paying the amount that you believed be agreed upon while you were trying to straighten things out you would own shown a good idea effort to both earnings and fix the problem. When no payments were made it make it look like you be trying to just cart the money.
good luck!
To put this contained by it's proper perspective, you signed the loan docs, the signer is not a part of your mortgage broker's company. The human being that notarized your documents for you is called a loan signer. They notarize what the lender have sent for them to notarize.
You should have call your mortgage broker for a copy of your loan doc's which should have be given to you, but if the signer did not have a copy that should own been your solution to hail as your mortgage broker.
Now about the mistake surrounded by your monthly payment. It appears to me as if your monthly mortgage reimbursement was $414.00 and added to your monthly mortgage reimbursement were an impound sketch to cover the payment of your taxes and insurance this appears to be where on earth the additional $136.00 come from
A mistake on your part does not plan that the lender is gonna void the contract that you signed promising to settle the money back that be advanced to you to purchase the house you have enjoy for over a year or more and is just in a minute discovering that a mistake was made.
You should hold made the payments and tried to solve the problems as you say them subsequently.
Since you did not make the monthly payments as per your contract the lender have no choice but to take the conduct provided them by law and that be to foreclose to get the collateral they have to protect the money loaned you.
You refinanced your home. you had a three (3) sunshine right of recission. At anytime during these three days you could have cancelled the refinance short any cost to you what so ever.
A document was given to you that you could hold faxed, mailed or call the lender, the escrow closing agent, or the lender. A call to any of the three would have cancelled your mortgage contract even if you have signed it.
I hope this has be of some use to you, good luck.
"FIGHT ON"
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