I'm sorry to hear about your challenges. Your best bet for determining where you are in the foreclosure process is to contact York County District Court. You'll want to ask (1) if a petition has been filed as a request to enter a judgment of foreclosure, and if there has been a request for judgment, (2) ask if the judgment has been entered. Once a judgment has been entered, you have a 90 day redemption period that begins with the date the judgment was entered. During this time period you can either renegotiate your mortgage with the lien holder, sell your house, or get moved. if you choose to sell your house, you should list with a Realtor who specializes in short sales, which is when a lender agrees to take less than the amount that is owed and you make no money on the transaction. This is always advisable as it will have less of an impact on your credit than a foreclosure. If you go this route, be sure to work with an agent who has actually listed and sold several short sales and knows the unique characteristics of this type of transaction. Also, if you have your home listed as a short sale, the lender will often delay the foreclosure in hopes of completing a short sale.
I have listed and sold several short sales and have found each one to be unique, depending on the lender. If I can be of further help, please feel free to contact me.
Regards & good luck,
Note the York county community action listing... they may help.
York County Community Action
324-5762 ext. 2960
324-5762 ext. 2959
Coastal Enterprises, Inc.
882-7552 ext. 186
Legal Resource Organizations
Pine Tree Legal Assistance
In particular, see Pine Tree Legal Assistance and Volunteer Lawyers Project on that page.
You might also call the York Housing Authority. (207) 363-8444 They may be able to recommend additional help. I hope you donâ€™t need it, but The Maine State Housing Authority does provide emergency shelter. Link: http://www.mainehousing.org Again, Iâ€™m so sorry and I hope that these organizations can help you.
I would recommend contacting someone you know will have your best interest in mind. A good starting place is daveramsey.com where you can find professionals that are already screened and could help you.
I wish you the best of luck and hope you find your answers.